# EDGAR Filing Document

**Accession Number:** 0001889966
**File Stem:** 0001213900-26-015669
**Filing Date:** 2026-2
**Character Count:** 1706427
**Document Hash:** c5636e9a0715b015f40737389663b6f2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-015669.hdr.sgml**: 20260212

**ACCESSION NUMBER**: 0001213900-26-015669

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

**PUBLIC DOCUMENT COUNT**: 38

**CONFORMED PERIOD OF REPORT**: 20260212

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

**FILED AS OF DATE**: 20260212

**DATE AS OF CHANGE**: 20260212

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05871
- **FILM NUMBER:** 26627554

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sutton Funding LLC
- **CENTRAL INDEX KEY:** 0001889966

**ORGANIZATION NAME:**
- **EIN:** 261705786
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 100 SOUTH WEST STREET
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19801
- **BUSINESS PHONE:** 212-526-9352

**MAIL ADDRESS:**
- **STREET 1:** 2711 CENTERVILLE ROAD, SUITE 400
- **CITY:** WILMINGTON
- **STATE:** DE
- **ZIP:** 19808

OMB Number: 3235-0675

**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 sponsor: <u>0001889966</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>Barclays Mortgage Loan Trust 2026-NQM3</u> <br> (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>

Sanyogita Lakhera (212) 526-4149

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

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

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

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached Exhibit 99 to this Form ABS-15G. Please see the Exhibit Index for the related information.

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | SUTTON FUNDING LLC | SUTTON FUNDING LLC |
| Date: February 12, 2026 | By: | /s/ Sanyogita Lakhera |
|  | Name: | Sanyogita Lakhera |
|  | Title: | Authorized Signatory |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report – AMC Narrative](ea027670601_ex99-1.htm)

[Schedule 1 – Data Compare Report](ea027670601_ex99-1sch1.htm)

[Schedule 2 – Exception Grades](ea027670601_ex99-1sch2.htm)

[Schedule 3 – RA Grades](ea027670601_ex99-1sch3.htm)

[Schedule 4 – Valuation Report](ea027670601_ex99-1sch4.htm)

[99.2 - Third Party Due Diligence Report – Consolidated Analytics Narrative](ea027670601_ex99-2.htm)

[Schedule 1 – Data Compare Report](ea027670601_ex99-2sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea027670601_ex99-2sch2.htm)

[Schedule 3 – Rating Agency Grades Summary](ea027670601_ex99-2sch3.htm)

[Schedule 4 – Supplemental Report](ea027670601_ex99-2sch4.htm)

[Schedule 5 – Valuation Report](ea027670601_ex99-2sch5.htm)

[99.3 - Third Party Due Diligence Report – Clarifii Narrative](ea027670601_ex99-3.htm)

[Schedule 1 – ATR QM Report](ea027670601_ex99-3sch1.htm)

[Schedule 2 – Data Compare Report](ea027670601_ex99-3sch2.htm)

[Schedule 3 – RA Grades Detail Report](ea027670601_ex99-3sch3.htm)

[Schedule 4 – RA Grades Summary Report](ea027670601_ex99-3sch4.htm)

[Schedule 5 – Valuation Report](ea027670601_ex99-3sch5.htm)

[99.4 - Third Party Due Diligence Report – Evolve Narrative](ea027670601_ex99-4.htm)

[Schedule 1 – Data Compare Report](ea027670601_ex99-4sch1.htm)

[Schedule 2 – Exception Detail](ea027670601_ex99-4sch2.htm)

[Schedule 3 – QM ATR Data](ea027670601_ex99-4sch3.htm)

[Schedule 4 – RA Grades](ea027670601_ex99-4sch4.htm)

[Schedule 5 – Valuation Report](ea027670601_ex99-4sch5.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Sutton Funding LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted on mortgage loans with origination dates from August 2025 through December 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (41 loans), and Business Purpose Scope (109 loans). The loans reviewed using the Credit and Compliance Scope, Business Purpose Scope are together referred to as the mortgage loans.

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

The initial population consisted of 150 mortgage loans.

The final population of the Review covered 150 mortgage loans totaling an aggregate original principal balance of approximately $60.309 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original P&I |  |

---

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.**

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.

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![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![](ex99-1_001.jpg)

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

---

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

---

**DATA COLLECTION**

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

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

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

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

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

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![](ex99-1_001.jpg)

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

 

*<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.

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred fifty (150) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria one hundred thirty-five (135) loans (90.00%) had an Overall grade of "A", and fifteen (15) loans (10.00%) had an Overall grade of "B. No loans had an Overall grade worse than "B".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** | &nbsp;&nbsp;**S&P Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;135 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys Overall Loan Grades** | &nbsp;&nbsp;**Moodys Overall Loan Grades** | &nbsp;&nbsp;**Moodys Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;135 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;10.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-1_001.jpg)

**CREDIT RESULTS SUMMARY**

One hundred forty (140) loans (93.33%) reviewed received an "A" Credit grade, and ten (10) loans (6.67%) received a "B" Credit grade. No loans had a Credit grade worse than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Credit Loan Grades** | &nbsp;&nbsp;**S&P Credit Loan Grades** | &nbsp;&nbsp;**S&P Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% f Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;140 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;6.67% |
| &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;**150** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys Credit Loan Grades** | &nbsp;&nbsp;**Moodys Credit Loan Grades** | &nbsp;&nbsp;**Moodys Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;140 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;6.67% |
| &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;**150** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

One hundred and nine (109) loans were reviewed under the Business Purpose scope and did not contain a compliance review. After all documents were presented, under the applicable NRSRO grading criteria thirty-four (34) loans (82.93%) had a Compliance grade of "A", and seven (7) loans (17.07%) had a Compliance grade of "B". No loans had a Compliance grade worse than "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Compliance Loan Grades** | &nbsp;&nbsp;**S&P Compliance Loan Grades** | &nbsp;&nbsp;**S&P Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;82.93% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;17.07% |
| &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;**41** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys Compliance Loan Grades** | &nbsp;&nbsp;**Moodys Compliance Loan Grades** | &nbsp;&nbsp;**Moodys Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;34 | &nbsp;&nbsp;82.93% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;17.07% |
| &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;**41** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

There were one hundred fifty (150) loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria one hundred forty-nine (149) loans (99.33%) had a Property grade of "A", and one (1) loan (0.67%) had a Property grade of "B". No loans had a Property grade worse than "B". After all documents were presented, under the applicable Moody's NRSRO grading criteria all one hundred fifty (150) loans (100.00%) had a Property grade of "A". No loans had a Property grade worse than "A".

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![](ex99-1_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** | &nbsp;&nbsp;**S&P Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;149 | &nbsp;&nbsp;99.33% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% |
| &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;**150** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Moodys Property Loan Grades** | &nbsp;&nbsp;**Moodys Property Loan Grades** | &nbsp;&nbsp;**Moodys Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;150 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred fifty (150) Loans reviewed, one hundred twenty-two (122) unique Loans had two hundred fifty-one (251) different tape discrepancies across sixteen (16) data fields (some Loans had more than one data delta). The most variances were found on Note Date, Borrowers Last Name and Contract Sales Price.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;37 | &nbsp;&nbsp;5.41% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;37 | &nbsp;&nbsp;13.51% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;67 | &nbsp;&nbsp;150 | &nbsp;&nbsp;44.67% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;40 | &nbsp;&nbsp;150 | &nbsp;&nbsp;26.67% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;113 | &nbsp;&nbsp;0.88% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;150 | &nbsp;&nbsp;2.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;72 | &nbsp;&nbsp;113 | &nbsp;&nbsp;63.72% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;37 | &nbsp;&nbsp;18.92% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;113 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;150 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;18 | &nbsp;&nbsp;150 | &nbsp;&nbsp;12.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;150 | &nbsp;&nbsp;2.00% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;27 | &nbsp;&nbsp;109 | &nbsp;&nbsp;24.77% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;150 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;150 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**251** | &nbsp;&nbsp;**3146** | &nbsp;&nbsp;**7.98%** | &nbsp;&nbsp;**150** |

---

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![](ex99-1_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;149 | &nbsp;&nbsp;99.33% | &nbsp;&nbsp;$59849147.00 | &nbsp;&nbsp;99.24% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$460000.00 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60309147.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;150 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$60309147.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60309147.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$240000.00 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;56 | &nbsp;&nbsp;37.33% | &nbsp;&nbsp;$22145919.00 | &nbsp;&nbsp;36.72% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.33% | &nbsp;&nbsp;$3030170.00 | &nbsp;&nbsp;5.02% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;63 | &nbsp;&nbsp;42.00% | &nbsp;&nbsp;$24924258.00 | &nbsp;&nbsp;41.33% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;22 | &nbsp;&nbsp;14.67% | &nbsp;&nbsp;$9968800.00 | &nbsp;&nbsp;16.53% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60309147.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$228000.00 | &nbsp;&nbsp;0.38% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;149 | &nbsp;&nbsp;99.33% | &nbsp;&nbsp;$60081147.00 | &nbsp;&nbsp;99.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60309147.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;89 | &nbsp;&nbsp;59.33% | &nbsp;&nbsp;$35706919.00 | &nbsp;&nbsp;59.21% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$360000.00 | &nbsp;&nbsp;0.60% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.00% | &nbsp;&nbsp;$2475400.00 | &nbsp;&nbsp;4.10% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;22 | &nbsp;&nbsp;14.67% | &nbsp;&nbsp;$8331891.00 | &nbsp;&nbsp;13.82% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.00% | &nbsp;&nbsp;$2034000.00 | &nbsp;&nbsp;3.37% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;21 | &nbsp;&nbsp;14.00% | &nbsp;&nbsp;$7002212.00 | &nbsp;&nbsp;11.61% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.00% | &nbsp;&nbsp;$1539400.00 | &nbsp;&nbsp;2.55% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.33% | &nbsp;&nbsp;$2859325.00 | &nbsp;&nbsp;4.74% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60309147.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;33 | &nbsp;&nbsp;22.00% | &nbsp;&nbsp;$12346140.00 | &nbsp;&nbsp;20.47% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;115 | &nbsp;&nbsp;76.67% | &nbsp;&nbsp;$47276457.00 | &nbsp;&nbsp;78.39% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.33% | &nbsp;&nbsp;$686550.00 | &nbsp;&nbsp;1.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**150** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60309147.00** | &nbsp;&nbsp;**100.00%** |

---

15 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | |
|:---|:---|
| ![](ex99-1sch1_001.jpg) |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |
| **Run Date - 2/4/2026 4:41:02 PM** | **onna** |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| (redacted) | 1 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 1 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 1 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction |
| (redacted) | 1 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding. |
| (redacted) | 3 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 4 (redacted) |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 4 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 4 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 4 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance. |
| (redacted) | 5 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 5 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Gross from XXXX is $15,465.17 + Gross from Airbnb $24,798.15 = $40,263.32/12 = $3,355.28. 20% expense factor = $2,682.03 = DSCR of 1.08 |
| (redacted) | 6 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 6 (redacted) |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| (redacted) | 6 (redacted) |  |  | LTV Valuation Value | [redacted] | [redacted] | Verified | Field value reflects source document |
| (redacted) | 6 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Higher 1007 rents used per guidelines. |
| (redacted) | 7 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 7 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Out of scope. |
| (redacted) | 8 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 8 (redacted) |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| (redacted) | 8 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 9 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 9 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 11 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 11 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 12 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 12 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 14 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 15 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 15 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 16 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 16 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off |
| (redacted) | 17 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 17 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 17 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to Rounding |
| (redacted) | 18 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 18 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 19 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 19 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 19 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 20 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 21 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Using lower market rent. Unable to verify 2 months rent in order to use the higher lease rent. |
| (redacted) | 22 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 22 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 22 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Updated as per fraud report. |
| (redacted) | 23 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 23 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 23 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 24 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 24 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 24 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 27 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 27 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Updated from 1004 |
| (redacted) | 27 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Income $3,600/Debt $2,291.79 = 1.57 DSCR. |
| (redacted) | 28 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 28 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 31 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 32 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 32 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding. |
| (redacted) | 33 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 33 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 33 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 34 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 34 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 35 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 35 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 35 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding. |
| (redacted) | 36 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 36 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File,. field value is sales price XX/XX/XXXX |
| (redacted) | 36 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR Rounded Up |
| (redacted) | 37 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 38 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 38 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 38 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 39 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 40 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 41 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 41 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 41 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR mismatch due to Asset Depletion income Qualified. |
| (redacted) | 42 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 42 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 42 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Transaction. |
| (redacted) | 42 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR mismatch due to Asset Depletion income Qualified. |
| (redacted) | 43 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 46 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 48 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 48 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 50 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 52 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 52 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 53 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 53 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 54 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 54 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 55 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 56 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 57 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | The Bid Tape Field Value was not provided. |
| (redacted) | 58 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 58 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 59 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 60 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 61 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 61 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 62 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 62 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| (redacted) | 63 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 63 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 63 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 63 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 64 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 65 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 66 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 67 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 68 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 68 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 68 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 69 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 69 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 69 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 70 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 71 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 71 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 71 (redacted) |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 71 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 72 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 72 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rounding Factor. |
| (redacted) | 73 (redacted) |  |  | Original Interest Rate | 7.875 | 6.875 | Verified | Field Value reflects the Note value |
| (redacted) | 73 (redacted) |  |  | Original P&I | [redacted] | [redacted] | Verified | Field Value reflects Note value |
| (redacted) | 74 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 75 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 75 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 75 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 75 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rounding Factor |
| (redacted) | 76 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 76 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 77 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 77 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 78 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 80 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 80 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 81 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 81 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 82 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 82 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 82 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Updated from appraisal document |
| (redacted) | 83 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 83 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 83 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File |
| (redacted) | 83 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due To Rounded Value |
| (redacted) | 84 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 84 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR mismatch due to round-off value. |
| (redacted) | 85 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 86 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 86 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 87 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 87 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | FN Loan no FICO |
| (redacted) | 87 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | due to round off |
| (redacted) | 88 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 88 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 88 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 90 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 91 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 91 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 91 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Updated as per fraud report. |
| (redacted) | 92 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 92 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 94 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 94 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 94 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction |
| (redacted) | 95 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 95 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 95 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 96 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 96 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 96 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File |
| (redacted) | 97 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 98 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 98 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 98 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | No score. |
| (redacted) | 98 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Discrepancy due to rounding. |
| (redacted) | 99 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 100 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 100 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due To Rounded value |
| (redacted) | 101 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 101 (redacted) |  |  | Property Type | 2 Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| (redacted) | 101 (redacted) |  |  | # of Units | 2 | 1 | Verified | Field value reflects source document |
| (redacted) | 101 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | The lender used $3,000 for DSCR qualification, while the system referenced $2,200 from the comparable rent schedule. |
| (redacted) | 102 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 102 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 102 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance Case |
| (redacted) | 103 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 103 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to Rounding. |
| (redacted) | 104 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 104 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance loan |
| (redacted) | 105 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 105 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 105 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off |
| (redacted) | 106 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 106 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | DSCR calculated as Total Income $3300 by Total expenses $3,802.34 |
| (redacted) | 107 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Bid Tape Field Value is not provided. |
| (redacted) | 107 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance transaction. |
| (redacted) | 108 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 108 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to rounding. |
| (redacted) | 109 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 109 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 109 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance File |
| (redacted) | 110 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 110 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 110 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Due to round off |
| (redacted) | 111 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 111 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 112 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 112 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 113 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 113 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Its Refinance. |
| (redacted) | 113 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | Rounding Factor |
| (redacted) | 114 (redacted) |  |  | Zip | [redacted] | [redacted] | Verified | Field Value reflects Zip per Note |
| (redacted) | 114 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 114 (redacted) |  |  | Subject Debt Service Coverage Ratio | [redacted] | [redacted] | Verified | $1700.00/$1132.24=1.50. Lender used $1800.00 for the rent amount which cannot be verified. |
| (redacted) | 115 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 116 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 116 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Bid tape value was not provided. |
| (redacted) | 117 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 118 (redacted) |  |  | Maturity Date | [redacted] | [redacted] | Verified | Field Value reflects Maturity Date per the Note |
| (redacted) | 118 (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 119 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 120 (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 121 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 125 (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 125 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 125 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 126 (redacted) |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 126 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 127 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 129 (redacted) |  |  | Original LTV | 74.89 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 130 (redacted) |  |  | Original LTV | 77.54 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 131 (redacted) |  |  | Original LTV | 78.13 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 132 (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 132 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 132 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Foreign National |
| (redacted) | 133 (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 134 (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 135 (redacted) |  |  | Appraised Value | [redacted] | [redacted] | Verified | Field Value captured from Valuation model in file |
| (redacted) | 136 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Unable to verify due to missing information |
| (redacted) | 137 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 139 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 139 (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 139 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| (redacted) | 140 (redacted) |  |  | Note Date | [redacted] | [redacted] | Verified | Field Value reflects Note Date per the Note |
| (redacted) | 141 (redacted) |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 141 (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 141 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 141 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Borrower is foreign National. |
| (redacted) | 141 (redacted) |  |  | Original LTV | 68.82 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 142 (redacted) |  |  | Street | [redacted] | [redacted] | Verified | Field Value reflects Street per Note |
| (redacted) | 145 (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 145 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 145 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 149 (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 150 (redacted) |  |  | Appraised Value | [redacted] | [redacted] | Verified | Field Value captured from Valuation model in file |
| (redacted) | 151 (redacted) |  |  | Representative FICO | [redacted] | [redacted] |  |  |
| (redacted) | 153 (redacted) |  |  | Contract Sales Price | [redacted] | [redacted] | Verified | Refinance |
| (redacted) | 154 (redacted) |  |  | Borrower First Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 154 (redacted) |  |  | Borrower Last Name | [redacted] | [redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| (redacted) | 155 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | ITIN |
| (redacted) | 155 (redacted) |  |  | Original LTV | 77.29 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 156 (redacted) |  |  | Representative FICO | [redacted] | [redacted] | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| (redacted) | 156 (redacted) |  |  | Original LTV | 60.99 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| (redacted) | 158 (redacted) |  |  | Original LTV | 78.1 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

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| |
|:---|
| ![](ex99-1sch2_001.jpg) |
| **Exception Grades** |
| **Run Date - 2/4/2026 4:39:27 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer 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) | 1 (redacted) |  | 35713288 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to verify 12 months' rental history for borrower's primary residence. Please provide payment history or a letter of explanation that borrower lives rent-free. (Lease agreement in file does not name borrower as lessor) |  |  |  | Reviewer Comment (2025-09-15): Cleared with proof of rent free with spouse.<br>Buyer Comment (2025-09-11): VOR<br>Buyer Comment (2025-09-11): rent history<br>Buyer Comment (2025-09-11): rent free | 09/15/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 2 (redacted) |  | 35713289 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is living rent free. |  |  |  | Reviewer Comment (2025-09-16): Cleared with letter from owner of <br>Buyer Comment (2025-09-15): UW discretion is that the Borrower has 14 months reserves;<br>Buyer Comment (2025-09-15): loe rent free<br>Reviewer Comment (2025-09-15): UW Discretion is insufficient. Need the actual thought behind the UW discretion. Need letter from homeowner meeting guideline requirments.<br>Buyer Comment (2025-09-15): 1008 | 09/16/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 2 (redacted) |  | 35713290 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | First time investors require a minimum 680 credit score. |  |  |  | Reviewer Comment (2025-09-19): Cleared. Fraud report verifies 12 months of ownership of inv property within past 3 years.<br>Buyer Comment (2025-09-17): Borrower is not considered first time investor. Per fraud report the Borrower owned XXXX from 04/17/23 - 11/12/24.<br>Reviewer Comment (2025-09-16): This is for the FICO score being below the required 680 minimum.<br>Buyer Comment (2025-09-15): UW discretion and living rent free provided.<br>Reviewer Comment (2025-09-15): First time investor is required to have a 680 and 12 month housing history per either guidelines. FICO is below 680 and there is no housing history.<br>Buyer Comment (2025-09-15): per 08/04/25 guidelines, 660 is permitted. | 09/19/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 3 (redacted) |  | 35713292 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  | Reviewer Comment (2025-09-23): NOO Cert.<br>Buyer Comment (2025-09-19): Please find section 4A completed with Borrower primary residence address. Thank you. | 09/23/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 4 (redacted) |  | 35713295 |  | 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: ___&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ | The most recent inspection was on 07/18/2025. |  |  |  | Reviewer Comment (2025-09-24): 1004D verifying no damages.<br>Buyer Comment (2025-09-22): Please waive to EV2, 1004D was completed 07/17/25, which is after the disaster date, no damage. | 09/24/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 4 (redacted) |  | 35713296 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  | The file is missing the Articles of Incorporation for the business entity. |  |  |  | Reviewer Comment (2025-09-24): A of O.<br>Buyer Comment (2025-09-22): AO | 09/24/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 5 (redacted) |  | 35713301 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent-free with someone other than spouse (boyfriend). |  |  |  | Reviewer Comment (2025-09-30): Cleared with UW discretion comment on the 1008 per lenders credit memo.<br>Buyer Comment (2025-09-26): UW discretion | 09/30/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 5 (redacted) |  | 35713302 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Fraud Report is missing from the file. |  |  |  | Reviewer Comment (2025-09-30): Fraud report.<br>Buyer Comment (2025-09-26): fraud | 09/30/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 5 (redacted) |  | 35713303 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Lender approved exception to allow FICO of 652 versus program minimum FICO of 660 with DSCR 0.99-.75 minimum on a Cash-Out transaction. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Occupancy: Investment<br>Reserves: 89.34<br> Guideline Requirement: 2.00<br>Loan to Value: 46.06299%<br> Guideline Maximum Loan to Value: 65.00000% | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-09-12): Waived with compensating factors per lender exception approval at origination. |  |  | 09/12/2025 | 2 B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 5 (redacted) |  | 35713304 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Lender calculated DSCR using $2,500 in rental income. Unable to determine the rental source which resulted in a discrepancy in DSCR. |  |  |  | Reviewer Comment (2025-10-15): Vacation listing and 12 months of income from XXXX and VRBO.<br>Buyer Comment (2025-10-14): 08/24 - 08/25<br>Buyer Comment (2025-10-14): 07/2024-07/2025<br>Reviewer Comment (2025-10-02): There is no address listed on the XXXX statement nor the listing.<br>Buyer Comment (2025-10-01): XXXX listing that matches the income<br>Reviewer Comment (2025-09-30): Unable to verify rents of $2500.00 on any of the documents in the file. DSCR is below 1.0. VRBO shows income for subject as 15465.17 for the year and XXXX reflects $24765.00 but has no address listed to associate with the subject property.<br>Buyer Comment (2025-09-26): XXXX<br>Buyer Comment (2025-09-26): XXXX<br>Buyer Comment (2025-09-26): Estimated monthly rent is $3352.55. Short term rental was used to qualify; see attached docs. | 10/15/2025 |  |  | 1 C A |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 5 (redacted) |  | 35713305 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-10-15): Client elects to waive. |  |  | 10/15/2025 | 2 A B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 6 (redacted) |  | 35713306 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2025-09-21): Received<br>Buyer Comment (2025-09-18): Final CD attached | 09/21/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 6 (redacted) |  | 35713307 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | File is missing OFAC showing business entity was searched. |  |  |  | Reviewer Comment (2025-09-25): OFAC<br>Buyer Comment (2025-09-24): see attached | 09/25/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 6 (redacted) |  | 35713308 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | Per appraisal, subject property is currently listed for sale. Per guidelines, properties must be taken off the market on or before Note date. If property is listed at time of application, an LOE from borrower is required confirming the reason for the listing, as well as proof it was taken off the market. File contains borrower LOE; however, missing evidence it has been taken off of the market. |  |  |  | Reviewer Comment (2025-09-22): Evidence property listing removed 8/22/2025, after application date, but prior to Note date, along with LOX from borrower detailing reasons for listing. | 09/22/2025 |  |  | 1 B A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 6 (redacted) |  | 35713309 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  | File is missing final HUD-1/Settlement Statement to confirm cash out. |  |  |  | Reviewer Comment (2025-09-21): Final CD received reflecting less than $10,000 cash out which meets guidelines for rate/term refinance.<br>Buyer Comment (2025-09-18): Final CD has been uploaded, cash back to borrower reflects $5885.02. | 09/21/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 6 (redacted) |  | 35713310 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  |  | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Debt Service Coverage Ratio: 1.55<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 620<br> Representative FICO: 761 | SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-02): Post-consummation dated fraud report clearing all red flags received in trailing docs.<br>Reviewer Comment (2025-10-01): Cannot use a post closing Fraud Report to clear this.<br>Buyer Comment (2025-09-29): Updated fraud report attached.<br>Reviewer Comment (2025-09-25): All Red flags need to be cleared.<br>Reviewer Comment (2025-09-25): Waived in error.<br>Reviewer Comment (2025-09-25): Waived with compensating factors at clients request.<br>Reviewer Comment (2025-09-25): Open alerts that need to be addressed.<br>Buyer Comment (2025-09-24): see attached | 10/02/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 12 (redacted) |  | 35713317 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization is not provided for both entities. |  |  |  | Reviewer Comment (2025-10-28): Articles of Org.<br>Buyer Comment (2025-10-24): 10/24-Please see attached | 10/28/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 12 (redacted) |  | 35713318 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: Appraisal Invoice not provided |  |  |  |  |  | Reviewer Comment (2025-10-28): Invoice provided.<br>Buyer Comment (2025-10-24): 10/24-Please see attached | 10/28/2025 |  |  | 1 C A |  | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 13 (redacted) |  | 35713320 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of funds and deposit receipt for Gift amount of $329,598.08 |  |  |  | Reviewer Comment (2025-10-31): Received evidence of all gift funds<br>Buyer Comment (2025-10-29): $292,000<br>Buyer Comment (2025-10-29): $8850 gift letter<br>Buyer Comment (2025-10-29): Gift funds were $9, 4000 ,$292,000 and $8,850; XXXX shows the $292,000 XXXX and $8850 XXXX funds were wired to the title company. XXXX shows the $9400 was wired to title. The $28,748.08 funds were not used or transferred.<br>Reviewer Comment (2025-10-29): The updated gift letters are not dated. Also, if using less gift funds, this may impact the asset utilization. <br>Original gift amount not verified. Wire receipt verify $300,850.00 being transferred. Gift is for $329,598.08. Provide evidence of receipt of the remaining $28,748.08.<br>Reviewer Comment (2025-10-29): Cleared in error.<br>Reviewer Comment (2025-10-29): Wire receipt.<br>Buyer Comment (2025-10-27): D0224 $292,000 wire & D0223 $8,850 wire<br>Buyer Comment (2025-10-27): $8850 gift letter<br>Buyer Comment (2025-10-27): $292,000 wire<br>Buyer Comment (2025-10-27): revised gift letter | 10/31/2025 |  |  | 1 C A |  | WA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 18 (redacted) |  | 35713329 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-11-10): Received OFAC for the borrowing entity. Exception Cleared.<br>Buyer Comment (2025-11-06): 11/06-Please see attached | 11/10/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 24 (redacted) |  | 35713337 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Judgements are required to be paid off. |  |  |  | Reviewer Comment (2025-11-12): LOX from Child support verifying the lien for child support has been released.<br>Reviewer Comment (2025-11-12): Received LOX however release date does not provided. Exception Remains.<br>Buyer Comment (2025-11-10): 11/10-Please see attached LOX from the Dept of revenue for Child Support servicing evidencing the lien # as released | 11/12/2025 |  |  | 1 B A |  | MA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 28 (redacted) |  | 35713344 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a dated Certificate of Good Standing. |  |  |  | Reviewer Comment (2025-11-14): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2025-11-13): Cogs | 11/14/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 29 (redacted) |  | 35713347 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Coverage is less than original Loan Amount. Please provide an updated policy with the appropriate coverage. |  |  |  | Reviewer Comment (2025-11-14): Document received and verified. Exception cleared<br>Buyer Comment (2025-11-13): title | 11/14/2025 |  |  | 1 B A |  | NV | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 29 (redacted) |  | 35713348 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-11-14): Document received and verified. Exception cleared<br>Buyer Comment (2025-11-13): Final SS | 11/14/2025 |  |  | 1 D A |  | NV | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| (redacted) | 31 (redacted) |  | 35713351 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The OFAC for the business entity is missing from the file. |  |  |  | Reviewer Comment (2025-11-19): Post-consummation dated fraud report clearing OFAC received in trailing docs.<br>Buyer Comment (2025-11-17): fraud summary | 11/19/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 32 (redacted) |  | 35713353 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Borrower is short verified funds for closing. 1. Savings account statement in file does not reflect owner of the account. 2. All gift funds were not able to be verified. Missing evidence of the $71,185.00 bring transferred from donor to borrower/title company. |  |  |  | Reviewer Comment (2025-12-03): Cleared with additional assets.<br>Reviewer Comment (2025-12-03): bank statement provided to verify borrower's account. Borrower needs 67,267.90 for deposit and closing. Verified funds $66,547.90. Exception remains.<br>Buyer Comment (2025-12-01): Evidence accounts 0292 & 9373 belong to the borrower.<br>Reviewer Comment (2025-11-25): Unable to verify the 2 XXXX account XXXX & XXXX belongs to borrower. No name listed on the statements provided.<br>Buyer Comment (2025-11-21): The $1547.90 were funds from the borrower, see bank statements XXXX and XXXX.<br>Reviewer Comment (2025-11-20): File is missing gift letter for the amount of $1547.90. Exception Remains.<br>Buyer Comment (2025-11-18): Borrower only needed 66,547.90 for deposit and closing which were provided via gift funds evidenced by wire confirmations, documents XXXX, XXXX and XXXX. | 12/03/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 33 (redacted) |  | 35713355 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Public Record Type: Collections / Balance: 2224.00: without payment plan |  |  |  | Reviewer Comment (2025-11-20): As per guideline all medical collections may remain open. Exception Cleared.<br>Buyer Comment (2025-11-18): permitted per guidelines. Medical collection may remain open. | 11/20/2025 |  |  | 1 B A |  | TX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| (redacted) | 37 (redacted) |  | 35713364 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  |  |  |  |  | Reviewer Comment (2025-11-21): Received Guarantor Agreement with the spouse signature. Exception Cleared.<br>Buyer Comment (2025-11-19): 11/19-Please see attached | 11/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 37 (redacted) |  | 35713365 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2025-11-21): Received Guarantor Agreement with the spouse signature. Exception Cleared. | 11/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 37 (redacted) |  | 35713366 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Corporate resolution for the borrowing business entity is not signed by all parties and/or has an incorrect loan amount noted on the Borrowing Certificate. |  |  |  | Reviewer Comment (2025-11-21): Corporate Resolution for the borrowing business entity is already available in file. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-11-19): Company Auth<br>Buyer Comment (2025-11-19): Please see Doc ID#0145 which states Borrower claims 100% ownership of business/sole member | 11/21/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 37 (redacted) |  | 35713367 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | The Operating Agreement for the borrowing business entity is not signed and dated by all members. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 24.19<br> Guideline Requirement: 0.00 | SitusAMC | Reviewer Comment (2025-12-10): Waived with compensating factors at client request.<br>Buyer Comment (2025-12-10): Client would like to elect to waive to an EV2<br>Reviewer Comment (2025-11-24): Our borrower is not 100% sole member of the underlying entity on the Note. Further, an operating agreement will be required for the borrowing entity on the Note.<br>Buyer Comment (2025-11-24): Doc ID #XXXX states that borrower currently has 100% interest in the XXXX as well as XXXX reflects Sole Membership<br>Reviewer Comment (2025-11-21): Available Doc ID XXXX which states Borrower claims 100% ownership in Amazing realty Investment. The Operating Agreement for the borrowing business entity is not available in file. Exception Remains.<br>Buyer Comment (2025-11-19): 11/19-Please note Operating Agreements are not legally required in the state of Texas. Please see Doc ID#XXXX which states Borrower claims 100% ownership of business/sole member which should be sufficient |  |  | 12/10/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 39 (redacted) |  | 35713371 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing the appraisal invoice from XXXX |  |  |  | Reviewer Comment (2025-11-25): Invoice.<br>Buyer Comment (2025-11-21): invoice | 11/25/2025 |  |  | 1 C A D |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 43 (redacted) |  | 35713381 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | File is missing all pages of the final signed and dated HUD-1/Settlement Statement. |  |  |  | Reviewer Comment (2025-12-04): Received Closing statement with all pages. Exception Cleared.<br>Buyer Comment (2025-12-02): Final SS<br>Reviewer Comment (2025-11-29): First page of provided document appears to be cutoff. Please provide complete final closing statement.<br>Buyer Comment (2025-11-25): final SS | 12/04/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 45 (redacted) |  | 35713384 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion is required for borrower living rent free. |  |  |  | Reviewer Comment (2025-11-28): Updated 1008 with underwriter discretion received.<br>Buyer Comment (2025-11-25): uw discretion | 11/28/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 45 (redacted) |  | 35713385 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  |  | Reviewer Comment (2025-11-28): Received<br>Buyer Comment (2025-11-25): Final SS | 11/28/2025 |  |  | 1 D A |  | AZ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 46 (redacted) |  | 35713388 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | 442 not completed by original appraiser nor the original appraisal company. |  |  |  | Reviewer Comment (2025-12-01): As per guidelines do not require that the 1004D is completed by the original appraiser. Exception Cleared.<br>Buyer Comment (2025-11-26): Our guidelines do not require that the 1004D is completed by the original appraiser. | 12/01/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 51 (redacted) |  | 35713396 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2025-12-03): Updated 1008 received with UW discretion for borrower living rent free along with rent free letter. Exception Cleared.<br>Buyer Comment (2025-12-01): UW discretion | 12/03/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 55 (redacted) |  | 35713400 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Credit report verifies the primary residence housing history through July 2025. Provide verification for the August, September and October payments. |  |  |  | Reviewer Comment (2025-12-05): Received Credit Supplement in the file, data verified and updated. Exception Cleared.<br>Buyer Comment (2025-12-03): see credit supplement | 12/05/2025 |  |  | 1 C A D |  | OH | Investment | Refinance - Cash-out - Home Improvement | D A |  | N/A | No |
| (redacted) | 56 (redacted) |  | 35713402 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request to allow private VOR supported by rent receipts vs cancelled checks, rent was paid via cash.<br>Comp Factors: <br> 1. >=4 Months Additional Reserves and <= $1.0M<br> 2. DSCR Ratio > 1.15% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 27.49<br> Guideline Requirement: 6.00 | SitusAMC | Reviewer Comment (2025-11-28): Waived with compensating factors per lender exception approval at origination. |  |  | 11/28/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
| (redacted) | 57 (redacted) |  | 35713409 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  | The Certificate of Non-Owner Occupied does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan. |  |  |  | Reviewer Comment (2025-12-04): Updated document received and verified. Exception cleared.<br>Buyer Comment (2025-12-02): Non-Owner | 12/04/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 58 (redacted) |  | 35713412 |  | Credit | Credit | Credit Documentation | Credit | Addresses on credit report casts doubt on business purpose of loan. |  |  | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: 52.23881%<br> Guideline Maximum Loan to Value: 70.00000% | SitusAMC | Reviewer Comment (2025-12-09): Waived with compensating factors at clients request.<br>Reviewer Comment (2025-12-09): No exception documentation is provided for lender approval. Exception remains.<br>Buyer Comment (2025-12-05): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2025-12-04): D0233 and D0266 reflect borrower current address however require updated credit report. Exception Remains.<br>Buyer Comment (2025-12-02): D0233 & D0266 support the Borrower's current primary residence; This should satisfy requirement regarding business purpose. |  |  | 12/09/2025 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| (redacted) | 60 (redacted) |  | 35713415 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing source of funds for gift funds of $55,000. Wire confirmation is in the file, however it does not provide a transaction date. |  |  |  | Reviewer Comment (2025-12-04): Wire confirmation received and verified the details. Exception Cleared.<br>Buyer Comment (2025-12-02): gift funds wire | 12/04/2025 |  |  | 1 C A |  | CT | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 64 (redacted) |  | 35713422 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2025-12-08): Comments on 1008 from UW.<br>Buyer Comment (2025-12-05): See UW 1008 attached. | 12/08/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A | N/A | N/A | No |
| (redacted) | 64 (redacted) |  | 35713423 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  |  |  |  |  | Reviewer Comment (2025-12-10): Cleared with rent free documentation provided.<br>Buyer Comment (2025-12-08): See matrix guideline attached. Please clear. Thank you.<br>Reviewer Comment (2025-12-08): Borrower has no prior housing history as required per the matrix.<br>Buyer Comment (2025-12-04): See guideline from matrix - first time homebuyer permitted.<br>Buyer Comment (2025-12-04): See attached final UW 1008. | 12/10/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A | N/A | N/A | No |
| (redacted) | 65 (redacted) |  | 35713426 |  | Credit | Business Purpose | General | Business Purpose | The Non-Owner Occupied Certification was not signed by all required borrowers and thus casts doubt on the business purpose of the loan. |  | Non-Owner Occupied Certification was missing |  |  |  | Reviewer Comment (2025-12-03): Received Occupancy certificate. Exception Cleared.<br>Buyer Comment (2025-12-01): Fully executed Occupancy Affidavit attached. | 12/03/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 65 (redacted) |  | 35713427 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Evidence of an LLPA and UW discretion is required for borrower a living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2025-12-05): Rate lock and UW approval verifying the UW discretion.<br>Buyer Comment (2025-12-04): Updated UW memo attached.<br>Reviewer Comment (2025-12-04): The comment on the 1008 just states borrower lives at his mother. A comment from the UW stating what the discretion was used.<br>Buyer Comment (2025-12-04): Updated 1008 attached. For future reference, only the rent-free letter is required per guidelines.<br>Reviewer Comment (2025-12-03): Received Lox however require 1008 with UW discretion for borrower living rent free. Exception Remains.<br>Buyer Comment (2025-12-01): Rent free letter and lock confirmation showing rent free LLPA attached. | 12/05/2025 |  |  | 1 C A D |  | NJ | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 66 (redacted) |  | 35713428 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - ARM not provided |  | ARM Rider document which is missing in this file hence first 3 pages of document is missing. |  |  |  | Reviewer Comment (2025-12-05): Received ARM Rider. Exception Cleared.<br>Buyer Comment (2025-12-03): ARM rider attached. | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 66 (redacted) |  | 35713430 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  |  |  |  | Reviewer Comment (2025-12-05): Received Closing Protection Letter. Exception Cleared.<br>Buyer Comment (2025-12-03): CPL attached. | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 66 (redacted) |  | 35713431 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a Certificate of Good Standing dated within 90 days of the Note date. |  |  |  | Reviewer Comment (2025-12-05): Received Certificate of Good Standing. Exception Cleared.<br>Buyer Comment (2025-12-03): Good Standing Certificate attached. | 12/05/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 67 (redacted) |  | 35713433 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Dwelling Coverage is insufficient by $86,000. Please provide extended coverage or checklist of coverage or lender correspondence confirming 100% replacement cost covered. |  |  |  | Reviewer Comment (2025-12-03): Replacement cost estimator received and verified the details. Exception Cleared.<br>Buyer Comment (2025-12-01): RCE attached | 12/03/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 72 (redacted) |  | 35713438 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Business Funds missing in the file |  |  |  | Reviewer Comment (2025-12-05): Received Evidence of Access to Business Funds. Exception Cleared.<br>Buyer Comment (2025-12-03): Please refer to original upload ID #XXXX - for confirmation from CPA of ownership/access.<br>Buyer Comment (2025-12-03): Please note CPA confirmation letter of ownership in original upload. Thank you! | 12/05/2025 |  |  | 1 C A |  | NC | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 76 (redacted) |  | 35713445 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization is Missing in loan file. |  |  |  | Reviewer Comment (2025-12-08): A of O.<br>Buyer Comment (2025-12-04): Cet of formation | 12/08/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 76 (redacted) |  | 35713446 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is Missing in loan file. |  |  |  | Reviewer Comment (2025-12-08): COGS<br>Buyer Comment (2025-12-04): Cogs | 12/08/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 76 (redacted) |  | 35713447 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement not provided. |  |  |  | Reviewer Comment (2025-12-08): Oper Agreement.<br>Buyer Comment (2025-12-04): OA | 12/08/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 78 (redacted) |  | 35713451 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-12-08): SSR with score of 1.<br>Buyer Comment (2025-12-04): SSR | 12/08/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 79 (redacted) |  | 35713453 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a 12 month rent history for the primary residence. The statements provided do not verify the property address and some are not in English. |  |  |  | Reviewer Comment (2025-12-26): Letter of explanation and Pay History Associated. Exception cleared.<br>Buyer Comment (2025-12-23): Please find LOE attached from manager @ XXXX. Thanks so much. | 12/26/2025 |  |  | 1 C A D |  | IL | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 83 (redacted) |  | 35713457 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD Missing In this loan File |  |  |  | Reviewer Comment (2026-01-09): Received closing statement for the subject property. Exception cleared.<br>Buyer Comment (2026-01-07): Please find corrected HUD-1 attached. Thank you.<br>Reviewer Comment (2025-12-26): Received closing statement for different property please provide for subject property, Exception remains.<br>Buyer Comment (2025-12-23): Please see attached. Thank you.<br>Reviewer Comment (2025-12-19): The HUD received is for a different property address. Exception Remains<br>Buyer Comment (2025-12-17): Please find HUD-1 attached. Thank you. | 01/09/2026 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 88 (redacted) |  | 35713465 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Missing final Settlement Statement, estimate was provided. |  |  |  | Reviewer Comment (2025-12-15): Received final executed statement. Exception cleared.<br>Buyer Comment (2025-12-11): Final SS | 12/15/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 89 (redacted) |  | 35713467 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | Reviewer Comment (2025-12-16): UW discretion received. Exception Cleared<br>Buyer Comment (2025-12-12): UW discretion | 12/16/2025 |  |  | 1 C A |  | MI | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 90 (redacted) |  | 35713468 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number missing in Loan File. |  |  |  | Reviewer Comment (2025-12-17): Employer Identification Number is not required for Trust company in the file. Exception Cleared.<br>Buyer Comment (2025-12-15): EIN is not required for Trust per guidelines | 12/17/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 90 (redacted) |  | 35713470 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  |  |  |  |  | Reviewer Comment (2025-12-22): Lender provided CD from concurrent refinance utilizing cash out from that transaction to meet reserve requirements on subject transaction and account XXXX is not needed to meet reserve requirements.<br>Reviewer Comment (2025-12-19): Bank account ending with XXXX belongs to a non borrower for which an evidence of access to funds document is missing.<br>Buyer Comment (2025-12-17): Cash out proceeds from #XXXX was used for CTC and reserves.<br>Reviewer Comment (2025-12-17): Evidence of Access to Funds is required for the account #XXXX. Exception Remains.<br>Buyer Comment (2025-12-15): file has sufficient funds; Please specify which account ? | 12/22/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 90 (redacted) |  | 35713471 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing Trust. |  |  |  | Reviewer Comment (2025-12-17): Received OFAC for the borrowing Trust in the file. Exception Cleared.<br>Buyer Comment (2025-12-15): Fraud | 12/17/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 92 (redacted) |  | 35713474 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Gross rents Lender used gross rents of $6,200.00 to calculate DSCR (1.0.), per final 1003. Appraisal does not support the rents used (current rents: $5,535.00; market rents of $5,100.00) for a DSCR of .82. Maximum LTV for DSCR < 1 is 75%. |  |  |  | Reviewer Comment (2025-12-18): Appraisal with revised rent received. Exception Cleared<br>Buyer Comment (2025-12-16): revised appraisal with $6200 market rent | 12/18/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 93 (redacted) |  | 35713476 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | ITIN letter is over 3 years old. Provide evidence the ITIN is current with one of the options below:<br>1. IRS letter dated less than 3 years ago<br> 2. Fully executed W7, including agent's signature<br> 3. Letter from tax preparer confirming they have filed the borrower's most<br> recent tax return with the IRS |  |  |  | Reviewer Comment (2025-12-22): Letter from tax preparer confirming they have filed the borrower's most recent tax return with the IRS is received. Exception Cleared.<br>Buyer Comment (2025-12-18): tax preparer letter | 12/22/2025 |  |  | 1 C A D |  | NC | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 94 (redacted) |  | 35713478 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the business entity. |  |  |  | Reviewer Comment (2025-12-24): Fraud report reflects the OFAC search for business entity XXXX. Verified and updated details. Exception Cleared.<br>Buyer Comment (2025-12-22): D0234 pg 148 fraud report is reporting the business entity XXXX<br>Reviewer Comment (2025-12-19): Fraud report recieved is for the guarantor. OFA still missing for the business entity. Exception Remains<br>Buyer Comment (2025-12-17): fraud | 12/24/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 95 (redacted) |  | 35713480 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final Borrower Settlement statement is missing in the file. |  |  |  | Reviewer Comment (2025-12-19): Settlement statement provided. Exception Cleared<br>Buyer Comment (2025-12-17): Final SS | 12/19/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 96 (redacted) |  | 35713481 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. |  | Provided Flood Insurance coverage $XXXX is not covering the Loan amount $XXXX additional Coverage is Required in file. |  |  |  | Reviewer Comment (2026-01-21): Coverage increased to $250,000.00.<br>Buyer Comment (2026-01-21): Please see revised flood policy that reflects $250k which is over and above the loan amount of $XXXX. Please advise why this is not more than sufficient. Thanks so much.<br>Reviewer Comment (2026-01-21): They either need enough to cover the loan amount or an RCE to determine the coverage provided is sufficient.<br>Buyer Comment (2026-01-20): Please see attached<br>Reviewer Comment (2026-01-02): Additional flood insurance coverage is required to fully cover the loan amount. Exception remains<br>Buyer Comment (2025-12-30): Please note the following push back with regards to the flood insurance. See attached. Thank you.<br>Reviewer Comment (2025-12-26): Required flood insurance with extended replacement coverage to clear the exception. Exception Remains.<br>Buyer Comment (2025-12-23): Please see attached. Thank you. | 01/21/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 96 (redacted) |  | 35713483 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. |  |  |  | Reviewer Comment (2025-12-19): Insurance verification showing 100% replacement cost received. Exception Cleared<br>Buyer Comment (2025-12-17): Please see dec page that reflects 100% replacement coverage. Thank you. | 12/19/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 100 (redacted) |  | 35713488 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated Provided |  |  |  | Reviewer Comment (2025-12-23): Executed Final Closing statement received and verified the details. Exception Cleared.<br>Buyer Comment (2025-12-19): final SS | 12/23/2025 |  |  | 1 D A |  | AZ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| (redacted) | 101 (redacted) |  | 35713490 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | ITIN document is over 3 years old. Provide one of the following to verify the ITIN is current:<br>1. IRS letter dated less than 3 years ago<br> 2. Fully executed W7, including agent's signature<br> 3. Letter from tax preparer confirming they have filed the borrower's most recent tax return with the IRS |  |  |  | Reviewer Comment (2025-12-22): Received LOX. Exception Cleared.<br>Buyer Comment (2025-12-18): letter from tax preparer | 12/22/2025 |  |  | 1 C A D |  | CT | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 101 (redacted) |  | 35713491 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV for first time investor is 70%. |  |  |  | Reviewer Comment (2026-01-05): Property history card verifying ownership of inv property that meets guidelines for experienced investor.<br>Reviewer Comment (2025-12-31): Property history card does not confirm this was a rental property. Please provide evidence this is an investment to determine borrower has prior investment experience per guideline requirement.<br>Buyer Comment (2025-12-29): Property history card<br>Buyer Comment (2025-12-29): see property history card; Borrower purchased 42 Pine Ledge Trl on 02/01/23.<br>Reviewer Comment (2025-12-24): He sold it on 02/26/2021 which is greater than 3 years ago. He is FTHB per guidelines.<br>Buyer Comment (2025-12-22): Borrower is not a first time investor. Per Fraud, Borrower had ownership in property 211 Meeting House.<br>Reviewer Comment (2025-12-22): As per matrix Maximum LTV is 70% for first time investor with minimum DSCR 1.0. Exception Remains.<br>Buyer Comment (2025-12-18): Per matrix, 80% LTV is accepted for DSCR score over 1 with min fico 700 | 01/05/2026 |  |  | 1 C A |  | CT | Investment | Purchase | D A |  | N/A | No |
| (redacted) | 102 (redacted) |  | 35713492 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating agreement is missing for business entity and sub entities XXXX |  |  |  | Reviewer Comment (2025-12-29): Bylaws provided in file. Exception Cleared<br>Buyer Comment (2025-12-24): D0212 By-Laws for XXXX - Corporation does not have operating agreement<br>Reviewer Comment (2025-12-24): Operating agreement not provided for XXXX. Exception remains.<br>Buyer Comment (2025-12-22): see attached operating agreements | 12/29/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 102 (redacted) |  | 35713493 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing for business entity and sub entities XXXX |  |  |  | Reviewer Comment (2025-12-24): Certificate of Good Standing provided. Exception cleared.<br>Buyer Comment (2025-12-22): see attached COGS | 12/24/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 102 (redacted) |  | 35713494 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  | Articles of Incorporation is missing for sub entity Dada Eye Care Inc. |  |  |  | Reviewer Comment (2025-12-29): Articles of Incorporation provided in file. Exception Cleared.<br>Buyer Comment (2025-12-24): XXXX<br>Reviewer Comment (2025-12-24): Articles of Incorporation not provided for XXXX, a Florida Limited Liability Company and XXXX a Florida limited liability company. Exception remains.<br>Buyer Comment (2025-12-22): see attached articles | 12/29/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 102 (redacted) |  | 35713495 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing for business entity and sub entity XXXX |  |  |  | Reviewer Comment (2025-12-29): Articles of Organization/Formation provided in file for all entity. Exception Cleared.<br>Buyer Comment (2025-12-24): XXXX<br>Reviewer Comment (2025-12-24): Articles of Organization/Formation not provided for XXXX Exception remains.<br>Buyer Comment (2025-12-22): see attached articles | 12/29/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 102 (redacted) |  | 35713496 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Employer Identification Number (EIN) for sub entities XXXX is missing on file. |  |  |  | Reviewer Comment (2025-12-24): Employer Identification Number provided. Exception cleared.<br>Buyer Comment (2025-12-22): see attached EIN | 12/24/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 102 (redacted) |  | 35713498 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing for all business entities. |  |  |  | Reviewer Comment (2025-12-24): Corporate Resolution provided. Exception cleared.<br>Buyer Comment (2025-12-22): see attached Corp resolutions | 12/24/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 103 (redacted) |  | 35713500 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2025-12-22): Received tax preparer letter indicating they filed taxes for prior 2 years using ITIN number, which meets ITIN guideline requirements.<br>Reviewer Comment (2025-12-22): Received tax preparer letter. Require valid visa for Verification of Non-US Citizen. Exception remains<br>Buyer Comment (2025-12-18): tax preparer letter<br>Buyer Comment (2025-12-18): itin letter | 12/22/2025 |  |  | 1 C A |  | IL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 104 (redacted) |  | 35713502 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | Unable to determine lender calculation for DSCR ratio due to missing UW income worksheet detailing the asset utilization. |  |  |  | Reviewer Comment (2025-12-19): UW worksheet received. Exception Cleared<br>Buyer Comment (2025-12-17): Attached is the income calculation worksheet.<br>Reviewer Comment (2025-12-15): Provided asset utilization calculator. Exception remains<br>Buyer Comment (2025-12-11): Loan has asset depletion, Gross Rent including asset depletion is $13,400.00 / $10,458.06 = DSCR 1.28%. | 12/19/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| (redacted) | 109 (redacted) |  | 35713509 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception Request for Broker requesting for liens to not be paid, Uploaded statute of limitations for 5 years | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 94.82<br> Guideline Requirement: 0.00 | Originator Pre-Close,SitusAMC | Reviewer Comment (2025-12-18): Waived with compensating factors per lender exception approval at origination. |  |  | 12/18/2025 | 2 B |  | NE | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| (redacted) | 111 (redacted) |  | 35713514 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing entity. |  |  |  | Reviewer Comment (2025-12-24): Received OFAC for the business entity. Exception Cleared.<br>Buyer Comment (2025-12-22): 12/22-Please see attached | 12/24/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| (redacted) | 116 (redacted) |  | 35713523 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2026-01-30): Final Title received. Exception cleared. | 01/30/2026 |  |  | 1 A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 116 (redacted) |  | 35713524 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2026-01-30): OFAC for Business Entity received. Exception cleared.<br>Buyer Comment (2026-01-28): fraud summary | 01/30/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 116 (redacted) |  | 35713525 |  | 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 Commitment in file |  |  |  | Reviewer Comment (2026-01-30): Final Title received. Exception cleared.<br>Buyer Comment (2026-01-28): title | 01/30/2026 |  |  | 1 B A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 116 (redacted) |  | 35713526 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Provide a copy of the lease from the primary residence verifying the borrower is not obligated for the rent payments. |  |  |  | Reviewer Comment (2026-01-30): Lease agreement received, exception cleared<br>Buyer Comment (2026-01-28): lease | 01/30/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 116 (redacted) |  | 35713527 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Bylaws are required to be signed. Provide fully executed Bylaws for the borrowing entity. |  |  |  | Reviewer Comment (2026-01-30): Bylaws document received. Exception cleared.<br>Buyer Comment (2026-01-28): signed on pg 1 | 01/30/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| (redacted) | 117 (redacted) |  | 35713533 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.61388% or Final Disclosure APR of 9.62900% is equal to or greater than the threshold of APOR 6.61% + 1.5%, or 8.11000%. Non-Compliant Higher Priced Mortgage Loan. | Clarity calculated APR exceeds threshold of APR 8.11000% |  |  |  | Reviewer Comment (2025-10-16): Evidence of appraisal delivery received. | 10/16/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 117 (redacted) |  | 35713534 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence of appraisal being sent to borrower 3 days prior to closing. |  |  |  | Reviewer Comment (2025-10-16): Evidence of appraisal delivery received.<br>Buyer Comment (2025-10-14): Appraisal delivery attached | 10/16/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 117 (redacted) |  | 35713538 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide page 2 of the borrowers CP565 form. All pages are required. |  |  |  | Reviewer Comment (2025-10-23): Received complete ITIN form.<br>Buyer Comment (2025-10-23): Page 2 of CP565 is attached | 10/23/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 35713541 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-11-04): Final title received | 11/04/2025 |  |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 35713544 |  | 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. |  |  |  | Reviewer Comment (2025-10-31): HOEPA P&Fs exception cured. | 10/31/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 35713545 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | HOEPA disclosure was not provided to the Borrower |  |  |  | Reviewer Comment (2025-10-31): HOEPA P&Fs exception cured. | 10/31/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 35713546 |  | 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 (2025-10-31): HOEPA P&Fs exception cured. | 10/31/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 35713547 |  | 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 4% of the amount past due or grace period of less than 15 days. | Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  | Reviewer Comment (2025-10-31): HOEPA P&Fs exception cured.<br>Reviewer Comment (2025-10-10): This is due to loan failing HOEPA testing. Once the additional HOEPA conditions are addressed, this will be re-reviewed.<br>Buyer Comment (2025-10-09): Per state reg 36a-570-1 - 36-239 CT late fee is acceptable at 5% | 10/31/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 35713548 |  | 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 5.00051% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $1.75 or .00051%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of 5.00051% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX |  |  |  | Reviewer Comment (2025-10-31): SitusAMC received (1) Signed letter from borrower indicating their choice to accept refund and make loan non-high-cost, a copy of refund check and proof of mailing.<br>Buyer Comment (2025-10-29): Borrower attestation, receipt of Cure check.<br>Reviewer Comment (2025-10-27): Received choice letter, LOE and copy of refund check; however, proof of delivery to borrower not received.<br>Buyer Comment (2025-10-23): Copy of refund check<br>Buyer Comment (2025-10-23): Signed LOX from borrower and PCCD with additional cure of $1.75 in section J<br>Reviewer Comment (2025-10-10): Loan does not contain any bonafide discount points, as the undiscounted interest rate of 8.875% exceeds the APOR of 6.54% by more than 2%. To cure, the following is required: 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;<br> (2) Assuming option (a) is selected, a copy of refund check in the amount of $1.75 and proof of mailing;<br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br> Importantly for #1, \*the borrower must be given a choice of one or the other and the loan cannot unilaterally be cured by lender by just providing a check without the choice being of the borrower<br>Buyer Comment (2025-10-09): can you confirm you used the bonafide discount points when running the compliance test. doc id - XXXX |  | 10/31/2025 |  | 2 C B |  | CT | 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 | Yes |
| (redacted) | 118 (redacted) |  | 35713549 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Borrower did not receive pre-loan counseling. |  |  |  | Reviewer Comment (2025-10-31): HOEPA P&Fs exception cured. | 10/31/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 118 (redacted) |  | 35713553 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $464.00 exceeds tolerance of $279.00 plus 10% or $306.90. $157.10 over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $464.00 exceeds tolerance of $279.00 plus 10% or $306.90. $157.10 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-10-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2025-10-09): Please cancel this exception. Cure was provided on final CD, page 2 section J. Document ID D0326. | 10/09/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 118 (redacted) |  | 35713554 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-03): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-31): LOX for CDA refund attached. Borrower attestation for receipt of check previously provided.<br>Reviewer Comment (2025-10-24): SitusAMC Received Corrected PCCD, LOE and copy of check; however, Proof of Mailing is missing. Also, provided LOE does not specify the cure provided for CDA fee. Provide Proof of Mailing and updated LOE.<br>Buyer Comment (2025-10-23): copy of refund check<br>Buyer Comment (2025-10-23): Post CD with additional $90 cure in section J<br>Reviewer Comment (2025-10-15): SitusAMC received COC dated 09/05 for adding CDA fee due to SSR score however, as per file the SSR is dated 08/11 as per which the changed disclosed is not within 3 business days from the date of change received. Please provide more information to validate the timeline or cure is required.<br>Buyer Comment (2025-10-14): See attached Change of Circumstance Form |  | 11/03/2025 |  | 2 C B |  | CT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 118 (redacted) |  | 35713555 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Verify all judgments have been paid as required per guidelines. |  |  |  | Reviewer Comment (2025-11-04): Clear final title received<br>Buyer Comment (2025-10-31): Final Title Policy<br>Reviewer Comment (2025-10-16): Guidelines do not indicate that a statute of limitations applies to judgments. Evidence these were paid at or prior to closing, along with evidence of clear title, will be required for review of this condition, as they are reflected on the title commitment at Items 10, 11 and 12.,<br>Buyer Comment (2025-10-14): see attached | 11/04/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 119 (redacted) |  | 35713564 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request: <br> Borrower can't document consistent rent for the last 12 months. Comp Factors: 1) 4+ months reserves over guidelines (40 months) : 2) 10% below maximum LTV (32.324% LTV); 3) >$3500 residual income | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $3,660.45<br>Reserves: 49.20<br> Guideline Requirement: 3.00<br>Loan to Value: 33.43434%<br> Guideline Maximum Loan to Value: 70.00000%<br>Loan Purpose: Refinance<br> Monthly Debt Reduction: -45.24170% | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC | Reviewer Comment (2025-10-08): Waived with compensating factors per lender exception approval at origination. |  |  | 10/08/2025 | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| (redacted) | 119 (redacted) |  | 35713568 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,482.50 exceeds tolerance of $771.00. $1,711.50 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from $771.00 to $2,482.50, an increase of $1,711.50, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-10-29): SitusAMC received a valid COC.<br>Buyer Comment (2025-10-28): Change of Circumstance form for increased discount points on 9/25 CD attached. | 10/29/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 119 (redacted) |  | 35713569 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $3,723.75 exceeds tolerance of $0.00. $3,723.75 over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax increased from $0.00 to $3,723.75, an increase of $3,723.75, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-10-29): SitusAMC received a valid COC.<br>Buyer Comment (2025-10-28): The exception states Transfer Taxes increased but no transfer taxes are present. Change of Circumstance form for switch from Lender-Paid to Borrower-paid Compensation attached. | 10/29/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| (redacted) | 120 (redacted) |  | 35713574 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | NC | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| (redacted) | 121 (redacted) |  | 35713577 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure dated 10/17/2025 with a Note date of 10/17/2025. |  |  |  | Reviewer Comment (2025-11-06): SitusAMC received 09/11 CD received 3 business days prior to consummation.<br>Buyer Comment (2025-11-05): Initial CD issued 9/11/25 attached. | 11/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| (redacted) | 121 (redacted) |  | 35713578 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $14,701.61 exceeds tolerance of $0.00. $14,701.61 over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from $0.00 to $14,701.61, an increase of $14,701.61, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-11-06): Situsamc Received Valid COC dated 09/30/2025.<br>Buyer Comment (2025-11-05): See attached COC CD, file was re-locked at a lower rate, discount points were applied. | 11/06/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| (redacted) | 121 (redacted) |  | 35713581 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 12 month housing history not provided. |  |  |  | Reviewer Comment (2025-11-12): 12 month payment history confirmed, exception cleared<br>Buyer Comment (2025-11-10): VOM attached | 11/12/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| (redacted) | 122 (redacted) |  | 35713583 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  |  |  |  |  | Reviewer Comment (2025-11-11): Bankruptcy discharged on 04/23 which is over 24 months prior to closing. Exception cleared.<br>Buyer Comment (2025-11-07): Please see DOC ID#0151 Page 5/9 of Borrower 2 Credit Report where it is reflected that the Bankruptcy Chapter 7 was discharged 04/23. No additional documents required | 11/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 122 (redacted) |  | 35713584 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. |  |  |  |  |  | Reviewer Comment (2025-11-11): Hazard insurance policy provided with expiration date 12/01/2026. Exception cleared.<br>Buyer Comment (2025-11-10): 11/10-Please see attached | 11/11/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 122 (redacted) |  | 35713586 |  | Compliance | TRID | Document Error | TRID | Loan Estimate: Dates are not in chronological order. |  |  |  |  |  | Reviewer Comment (2025-11-18): SitusAMC received LOA.<br>Buyer Comment (2025-11-17): please see lender attestation, correct LE and disclosure center/audit history screenshots already uploaded for another condition in this loan<br>Reviewer Comment (2025-11-07): Provided documentation is unclear. The 10/15 LE was signed on 10/14. Please provide documentation of circumstances and SitusAMC will be happy to re-review.<br>Buyer Comment (2025-11-06): Kindly consider attached LE, due to technical glitch date mentioned as 10-15. | 11/18/2025 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 122 (redacted) |  | 35713588 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/23/2025 incorrectly disclosed whether the loan will have an escrow account. | Reason for not having escrow box was not checked. |  |  |  | Reviewer Comment (2025-11-14): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-11-13): LOE<br>Buyer Comment (2025-11-13): PFA<br>Reviewer Comment (2025-11-10): SitusAMC required a letter of explanation to the borrower explaining the changes made of PCCD to cure this exception. The LOE is to accompanying the PCCD and to inform the borrower about the changes made on PCCD.<br>Buyer Comment (2025-11-10): Please advise what kind of LOE you required<br>Reviewer Comment (2025-11-07): SitusAMC received corrected Closing disclosure. However, the LOE to borrower was not located in trailing documents. Please provide LOE to borrower to complete remediation.<br>Buyer Comment (2025-11-06): PFA Pc-CD with Reason |  | 11/14/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Exempt from ATR | Yes |
| (redacted) | 122 (redacted) |  | 35713589 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Loan Estimate was issued after the date the Closing Disclosure was provided |  |  |  | Reviewer Comment (2025-11-14): SitusAMC received attestation for incorrect LE issue date along with the snip of disclosures summary. Removed the LE dated 10/15 from testing which was signed on 10/14.<br>Buyer Comment (2025-11-13): please see lender attestation, correct LE and disclosure center/audit history screenshots<br>Reviewer Comment (2025-11-07): SitusAMC received disclosure center information. However, please see doc ID XXXX. The LE dated 10/15/2025 submitted in the loan file and acknowledged by borrower on 10/14/2025. Any LE signed by borrowers must be included in testing, as they were disclosed to borrower and cannot be omitted from testing. Provide a lender attestation give the specific disclosure (LE doc ID# is acceptable to specify) and explain why it was included in package for review and attest they were never issued or disclosed to borrower.<br>Buyer Comment (2025-11-06): Proper LE uploaded, please see attached snip of our system there is no LE issue on 10/15 | 11/14/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | No Defined cure C B A | Non QM | Exempt from ATR | No |
| (redacted) | 122 (redacted) |  | 35713591 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 123 (redacted) |  | 35713593 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  |  |  |  |  | Reviewer Comment (2025-12-15): Lease agreement and Bank statement received as required for property address - XXXX Details verified and updated. Exception cleared.<br>Buyer Comment (2025-12-11): lease | 12/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 123 (redacted) |  | 35713595 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lender qualified borrower with rental income. The file did not contain a lease agreement or evidence of rental receipts. |  |  |  | Reviewer Comment (2025-12-15): Lease agreement and Bank statement received as required for property address - XXXX Details verified and updated. Exception cleared.<br>Buyer Comment (2025-12-11): Aug rent<br>Buyer Comment (2025-12-11): Oct rent<br>Buyer Comment (2025-12-11): sept rent | 12/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 123 (redacted) |  | 35713596 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Missing lease for REO. |  |  |  | Reviewer Comment (2025-12-15): Lease agreement and Bank statement received as required for property address XXXX. Details verified and updated. DTI within guideline limit. Exception cleared.<br>Buyer Comment (2025-12-11): see attached lease | 12/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 123 (redacted) |  | 35713597 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 124 (redacted) |  | 35713612 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $289.00 exceeds tolerance of $143.00 plus 10% or $157.30. Sufficient or excess cure was provided to the borrower at Closing. | Required cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-09): Sufficient Cure Provided At Closing |  | 11/09/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Exempt from ATR | Yes |
| (redacted) | 124 (redacted) |  | 35713613 |  | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Per Champions Funding guidelines, the Hazard Insurance policy must not expire for at least 60 days after the date of funding. |  |  |  | Reviewer Comment (2025-11-19): Policy expires more than 60 days form Note date.<br>Reviewer Comment (2025-11-18): Policy expires with 90 days after Note date. Provide renewal.<br>Buyer Comment (2025-11-14): This is more than 60 days. it is permitted. | 11/19/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 124 (redacted) |  | 35713616 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Exempt from ATR | No |
| (redacted) | 126 (redacted) |  | 35713620 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects Yes. Missing documented and/or does not meet guideline requirements. |  | Final 1003 Declarations Section Question "E" Property Assessed clean Energy Program; Borrower answered Yes. |  |  |  | Reviewer Comment (2025-11-20): Pace clean energy loan paid off throgh closing.<br>Buyer Comment (2025-11-18): Pace loan was paid off with transaction | 11/20/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 126 (redacted) |  | 35713621 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | Fannie Mae Form 1004D / Freddie Mac Form 442 is missing. |  |  |  | Reviewer Comment (2025-11-20): 1004D received.<br>Buyer Comment (2025-11-19): Attached find 1004D | 11/20/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 126 (redacted) |  | 35713623 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-463.00. Insufficient or no cure was provided to the borrower. | Lender Credit of $219.00 was disclosed on Loan Estimate dated 09/28/2025, however decreased to $0.00 on the Final Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-11-20): SitusAMC received COC dated 10/30.<br>Buyer Comment (2025-11-19): Attached find COC | 11/20/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Exempt from ATR | Yes |
| (redacted) | 126 (redacted) |  | 35713624 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 127 (redacted) |  | 35713627 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | CA | Primary | Refinance - Cash-out - Other | A | Non QM | Exempt from ATR | No |
| (redacted) | 128 (redacted) |  | 35713636 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX | Subject loan transaction disbursed on XX/XX/XXXX, prior to three (3) business days from transaction date of XX/XX/XXXX. |  |  |  | Reviewer Comment (2025-12-05): Final closing statement received, exception cleared.<br>Buyer Comment (2025-12-03): See attached Final SS | 12/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Exempt from ATR | Yes |
| (redacted) | 128 (redacted) |  | 35713637 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  | Reviewer Comment (2025-12-05): Final closing statement received, exception cleared.<br>Buyer Comment (2025-12-03): Attached find the Final SS<br>Reviewer Comment (2025-11-28): A PCCD is a lender generated document and is unable to be used to update the disbursement date. A certified/stamped final settlement or closing statement from settlement agent clearly reflecting the disbursement date would be required for review of the condition.<br>Buyer Comment (2025-11-25): Please see attached CD with correct Disbursement Date. | 12/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Exempt from ATR | Yes |
| (redacted) | 128 (redacted) |  | 35713638 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 129 (redacted) |  | 35713643 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | NC | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 130 (redacted) |  | 35713646 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-12-04): CDA<br>Buyer Comment (2025-12-03): CDA | 12/04/2025 |  |  | 1 D A |  | GA | Primary | Purchase | D A C | Non QM | Exempt from ATR | No |
| (redacted) | 130 (redacted) |  | 35713649 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 11/12/2025 not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. |  |  |  | Reviewer Comment (2025-12-05): Evidence the 11/12/2025 LE was electronically provided to the borrower on 11/12/2025 per doc XXXX<br>Reviewer Comment (2025-12-05): Provide additional information as to what is attached.<br>Buyer Comment (2025-12-04): Attached | 12/05/2025 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure A | Non QM | Exempt from ATR | No |
| (redacted) | 130 (redacted) |  | 35713651 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free with someone other than a spouse. This does not meet the guidelines. File is missing underwriter discretion documentation allowing guideline exception. |  |  |  | Reviewer Comment (2025-12-01): Updated 1008 received and verified. Exception cleared.<br>Buyer Comment (2025-11-26): UW discretion | 12/01/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D A C | Non QM | Exempt from ATR | No |
| (redacted) | 130 (redacted) |  | 35713652 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | GA | Primary | Purchase | D A C | Non QM | Exempt from ATR | No |
| (redacted) | 131 (redacted) |  | 35713657 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | File is missing unexpired passport or other government issued ID with photo. |  |  |  | Reviewer Comment (2025-12-04): IRS ITIN letter available.<br>Buyer Comment (2025-12-02): Please see guidelines attached page #34 of the ITIN guidelines. Please clear. Thank you. | 12/04/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 131 (redacted) |  | 35713658 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | File is missing documentation that the donor gave the closing agent the gift funds. |  |  |  | Reviewer Comment (2025-12-04): Wire confirmation received.<br>Buyer Comment (2025-12-02): See attached gift wire confirmation. | 12/04/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 131 (redacted) |  | 35713659 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | GA | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 132 (redacted) |  | 35713662 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception budget 2025 showing 2.33% which does not meet the 10% requirement, and the association does not have a balance sheet. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | Loan to Value: 50.00000%<br> Guideline Maximum Loan to Value: 75.00000%<br>DTI: 15.70184% <br> Guideline Maximum DTI: 50.00000%<br>Documentation Type: 1yr Full Doc<br> Disposable Income: $26,847.06 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-11-26): Waived with compensating factors per lender exceptions approval at origination. |  |  | 11/26/2025 | 2 B |  | FL | Investment | Purchase | B A | N/A | Exempt from ATR | No |
| (redacted) | 133 (redacted) |  | 35713665 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | File is missing verification of 9 months reserves. |  |  |  | Reviewer Comment (2025-12-04): Reserves requirement updated, exception cleared.<br>Buyer Comment (2025-12-02): See matrix attached only 3mths piti required with a fico over 760 & a ltv over 80%. | 12/04/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 133 (redacted) |  | 35713666 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $210.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-24): Sufficient Cure Provided At Closing |  | 11/24/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Exempt from ATR | Yes |
| (redacted) | 133 (redacted) |  | 35713667 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | FL | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 135 (redacted) |  | 35713686 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | Recording Fee was disclosed on initial Loan estimate as $60 but disclosed but final Closing Disclosure $75. |  |  |  | Reviewer Comment (2025-11-26): Sufficient Cure Provided At Closing |  | 11/26/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Non QM | Exempt from ATR | Yes |
| (redacted) | 135 (redacted) |  | 35713688 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | There are multiple red flags on fraud report not addressed and/or cleared. |  |  |  | Reviewer Comment (2025-12-04): Red flags have been addressed, exception cleared.<br>Buyer Comment (2025-12-02): Please find final FG cleared attached. Thank you. | 12/04/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 135 (redacted) |  | 35713689 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | AZ | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 136 (redacted) |  | 35713690 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Credit report missing in file. |  |  |  | Reviewer Comment (2025-12-15): Received Letter of Explanation which meet the credit requirement for Non-Permanent Resident Alien. Exception cleared.<br>Buyer Comment (2025-12-11): please see the trailing document<br>Buyer Comment (2025-12-03): 12/03-Please see attached credit reference which should be sufficient to clear | 12/15/2025 |  |  | 1 D A |  | OH | Second Home | Purchase | D A B | Non QM | Exempt from ATR | No |
| (redacted) | 136 (redacted) |  | 35713692 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. | Credit report missing in file. |  |  |  | Reviewer Comment (2025-12-22): Foreign national borrower and alternative credit has been satisfied. | 12/22/2025 |  |  | 1 B A |  | OH | Second Home | Purchase | D A B | Non QM | Exempt from ATR | No |
| (redacted) | 136 (redacted) |  | 35713693 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Right Not To Close Disclosure missing in file. |  |  |  | Reviewer Comment (2025-12-20): Received executed disclosure.<br>Buyer Comment (2025-12-18): Sorry about that! Please see the attached, signed one<br>Buyer Comment (2025-12-18): Please see attached | 12/20/2025 |  |  | 1 B A |  | OH | Second Home | Purchase | D A B | Non QM | Exempt from ATR | No |
| (redacted) | 136 (redacted) |  | 35713695 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | OH | Second Home | Purchase | D A B | Non QM | Exempt from ATR | No |
| (redacted) | 137 (redacted) |  | 35713699 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | SC | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 138 (redacted) |  | 35713704 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. |  |  |  |  | Reviewer Comment (2025-12-11): Housing counselor list provided.<br>Buyer Comment (2025-12-09): Please see attached Doc | 12/11/2025 |  |  | 1 B A |  | MD | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| (redacted) | 138 (redacted) |  | 35713705 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (2025-12-08): Client elects to waive.<br>Buyer Comment (2025-12-05): Please waive. Thank you. |  |  | 12/08/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| (redacted) | 138 (redacted) |  | 35713706 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 7.74909% or Final Disclosure APR of 7.76500% is equal to or greater than the threshold of APOR 6.16% + 1.5%, or 7.66000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2025-12-11): Client elects to waive..<br>Buyer Comment (2025-12-09): Please waive |  |  | 12/11/2025 | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| (redacted) | 139 (redacted) |  | 35713711 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 3.00. |  |  |  | Reviewer Comment (2025-12-09): Cash out may be used to satisfy reserve requirement.<br>Buyer Comment (2025-12-05): loan is a refi cashout. reserves met with cashout | 12/09/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 139 (redacted) |  | 35713713 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | IL | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 140 (redacted) |  | 35713719 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-12-05): SitusAMC received disclosure tracking for the 11/18 CD.<br>Buyer Comment (2025-12-04): Please see attached Audit History | 12/05/2025 |  |  | 1 C A |  | SC | Primary | Purchase | No Defined Cure A | Non QM | Exempt from ATR | No |
| (redacted) | 140 (redacted) |  | 35713721 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide evidence of the ITIN. Must be able to verify it is current. |  |  |  | Reviewer Comment (2025-12-08): CPA letter verifying the filing of the 2024 returns, CP565 form and passport in file.<br>Buyer Comment (2025-12-04): Letter from tax preparer confirming they have filed the borrower's most <br> recent tax return with the IRS | 12/08/2025 |  |  | 1 C A D |  | SC | Primary | Purchase | D A C | Non QM | Exempt from ATR | No |
| (redacted) | 140 (redacted) |  | 35713722 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | SC | Primary | Purchase | D A C | Non QM | Exempt from ATR | No |
| (redacted) | 141 (redacted) |  | 35713724 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-12-19): CU score updated. Exception Cleared<br>Buyer Comment (2025-12-17): D0208 SSR report | 12/19/2025 |  |  | 1 D A |  | FL | Investment | Purchase | D A C | N/A | Exempt from ATR | No |
| (redacted) | 141 (redacted) |  | 35713726 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  |  |  |  |  | Reviewer Comment (2025-12-19): Letter from bank received. Exception Cleared<br>Buyer Comment (2025-12-17): Bank reference letter | 12/19/2025 |  |  | 1 C A |  | FL | Investment | Purchase | D A C | N/A | Exempt from ATR | No |
| (redacted) | 142 (redacted) |  | 35713731 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing the VVOE with the CPA prior to closing. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $9,998.68<br>Reserves: 8.09<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 790 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-22): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2025-12-24): Documents provided are unable to be used to clear these conditions. Guidelines require a VVOE of CPA prior to consummation and gift funds are required to be dated on or before consummation. Documents provided were the CPA letter from original submission which is not a verbal VVOE of the CPA and no additional documents were received to address the gift funds being dated post-consummation.<br>Reviewer Comment (2025-12-20): Lender approved exception with what was relied on pre-consummation will be required for review of this (and the waterfall ATR) conditions.<br>Buyer Comment (2025-12-16): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2025-12-16): VVOE provided is post note date. Exception Remains<br>Buyer Comment (2025-12-12): VVOE |  |  | 01/22/2026 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 142 (redacted) |  | 35713732 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing the VVOE with the CPA prior to closing. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $9,998.68<br>Reserves: 8.09<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 790 | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-22): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2025-12-24): Documents provided are unable to be used to clear these conditions. Guidelines require a VVOE of CPA prior to consummation and gift funds are required to be dated on or before consummation. Documents provided were the CPA letter from original submission which is not a verbal VVOE of the CPA and no additional documents were received to address the gift funds being dated post-consummation.<br>Reviewer Comment (2025-12-20): Lender approved exception with what was relied on pre-consummation will be required for review of this (and the waterfall ATR) conditions.<br>Buyer Comment (2025-12-16): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2025-12-16): VVOE provided is post close. Exception Remains<br>Buyer Comment (2025-12-12): see attached VVOE |  |  | 01/22/2026 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 142 (redacted) |  | 35713734 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive.<br>Buyer Comment (2025-12-22): Please see attached doc |  |  | 12/22/2025 | 2 A |  | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 142 (redacted) |  | 35713737 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to missing verbal VVOE of CPA prior to consummation and all documentation of $100,000 gift funds being dated XX/XX/XXXX, which is post-consummation date of XX/XX/XXXX |  |  |  | Reviewer Comment (2026-01-23): Waived with compensating factors at clients request.<br>Reviewer Comment (2026-01-22): EV2-B with pre-consummation documentation and sufficient compensating factors.<br>Reviewer Comment (2026-01-12): Pre-consummation gift letter found in original images. Still pending required verbal VOE of the CPA pre-consummation.<br>Reviewer Comment (2025-12-24): Documents provided are unable to be used to clear these conditions. Guidelines require a VVOE of CPA prior to consummation and gift funds are required to be dated on or before consummation. Documents provided were the CPA letter from original submission which is not a verbal VVOE of the CPA and no additional documents were received to address the gift funds being dated post-consummation. |  |  | 01/23/2026 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 142 (redacted) |  | 35713738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Due to missing verbal VVOE of CPA prior to consummation and all documentation of $100,000 gift funds being dated XX/XX/XXXX, which is post-consummation date of XX/XX/XXXX |  |  |  | Reviewer Comment (2026-01-23): Waived with compensating factors at clients request.<br>Reviewer Comment (2026-01-22): EV2-B with pre-consummation documentation and sufficient compensating factors.<br>Reviewer Comment (2026-01-12): Pre-consummation gift letter found in original images. Still pending required verbal VOE of the CPA pre-consummation.<br>Reviewer Comment (2025-12-24): Documents provided are unable to be used to clear these conditions. Guidelines require a VVOE of CPA prior to consummation and gift funds are required to be dated on or before consummation. Documents provided were the CPA letter from original submission which is not a verbal VVOE of the CPA and no additional documents were received to address the gift funds being dated post-consummation.<br>Buyer Comment (2025-12-22): Please see attached Doc. |  |  | 01/23/2026 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 142 (redacted) |  | 35713740 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing verbal VOE of CPA prior to consummation. |  |  |  | Reviewer Comment (2026-01-23): Loan Designation equivalency determined to be Non-QM with pre-consummation documentation and sufficient compensating factors. ATR Exempt loan submitted as Non-QM for equivalency testing purposes only. | 01/23/2026 |  |  | 1 A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Exempt from ATR | Yes |
| (redacted) | 143 (redacted) |  | 35713745 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | CA | Primary | Refinance - Rate/Term | A | Non QM | Exempt from ATR | No |
| (redacted) | 144 (redacted) |  | 35713746 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Borrower has declared will reside in the property as a primary residence, however the loan is for a second home. |  |  |  | Reviewer Comment (2026-01-05): Corrected 1003 received and details updated. Exception cleared.<br>Buyer Comment (2025-12-31): Please see attached corrected 1003<br>Buyer Comment (2025-12-31): Please see attached LOX | 01/05/2026 |  |  | 1 C A |  | SC | Second Home | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 144 (redacted) |  | 35713748 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | SC | Second Home | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 145 (redacted) |  | 35713751 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 4506-C not provided in file. |  |  |  | Reviewer Comment (2025-12-26): 4506-C received and associated. Exception cleared.<br>Buyer Comment (2025-12-23): Please find 4506-C attached. Thank you. | 12/26/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| (redacted) | 145 (redacted) |  | 35713752 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Missing Document: Alternative Credit Documentation not provided |  | Non traditional reference letters failed to supply required information. Per the guidelines the letter must be from a verified financial institution in the borrower's country of origin. it must state the type and length of the relationship, how the account is held, current balance and status of the account confirming no negative ending or starting balances or NSF's for the past 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 2yr Full Doc<br> Disposable Income: $20,084.37<br>Reserves: 23.10<br> Guideline Requirement: 12.00<br>DTI: 14.38822% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-12-31): Waived with compensating factors per lender approved exception post-consummation.<br>Buyer Comment (2025-12-29): Please find updated exception attached. Thank you!<br>Reviewer Comment (2025-12-27): Exception additional parameters section contains incorrect opening date for second credit reference letter (2029). Please provide corrected exception form.<br>Buyer Comment (2025-12-24): Please find exception attached. Thank you. |  |  | 12/31/2025 | 2 C B |  | FL | Investment | Purchase | C B A | N/A | Exempt from ATR | No |
| (redacted) | 146 (redacted) |  | 35713756 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (2025-12-11): SitusAMC received proof of receipt.<br>Buyer Comment (2025-12-11): Please see attached signed CD<br>Buyer Comment (2025-12-10): Please see Snip from system. | 12/11/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Exempt from ATR | No |
| (redacted) | 146 (redacted) |  | 35713757 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | TN | Primary | Refinance - Cash-out - Other | C A | Non QM | Exempt from ATR | No |
| (redacted) | 147 (redacted) |  | 35713761 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $151.00 exceeds tolerance of $92.00 plus 10% or $101.20. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-12-04): Sufficient Cure Provided At Closing |  | 12/04/2025 |  | 1 A |  | MN | Primary | Purchase | Final CD evidences Cure A | Non QM | Exempt from ATR | Yes |
| (redacted) | 147 (redacted) |  | 35713763 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | MN | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 148 (redacted) |  | 35713768 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | CA | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 149 (redacted) |  | 35713772 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $150.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee increased from $150.00 to $200.00 without a valid change of circumstance. |  |  |  | Reviewer Comment (2025-12-23): SitusAMC received COC and supporting system snip suffice<br>Buyer Comment (2025-12-22): Please see appraisal report audit showing that theXX/XX/XXXX appraisal report was uploaded to our system on 11.05.2025<br>Buyer Comment (2025-12-22): Please see attached 11.07 COC and LE. The XX/XX/XXXX transferred appraisal report was received by Champions on 11.05. | 12/23/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Exempt from ATR | Yes |
| (redacted) | 149 (redacted) |  | 35713773 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | ITIN document is over 3 years old. Provide evidence the ITIN is current with one of the following:<br>o IRS letter dated less than 3 years ago<br> o Fully executed W7, including agent's signature<br> o Letter from tax preparer confirming they have filed the borrower's most<br> recent tax return with the IRS |  |  |  | Reviewer Comment (2025-12-31): Letter from tax preparer confirming they have filed the borrower's most recent tax return with the IRS received. Exception cleared.<br>Buyer Comment (2025-12-29): 12/29-Please see attached | 12/31/2025 |  |  | 1 C A D |  | AZ | Primary | Refinance - Rate/Term | D A C | Non QM | Exempt from ATR | No |
| (redacted) | 149 (redacted) |  | 35713774 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | AZ | Primary | Refinance - Rate/Term | D A C | Non QM | Exempt from ATR | No |
| (redacted) | 150 (redacted) |  | 35713779 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines for borrower's living rent free with someone other than a spouse require an LOE from the homeowner, evidence of UW discretion n approving the loan, and a rate lock reflecting an LLPA pricing adjustment. Borrower lives rent free with someone other than a spouse; however, the UW discretion was not provided in the loan file as required. |  |  |  | Reviewer Comment (2025-12-20): Updated 1008 with UW discretion received in trailing docs.<br>Buyer Comment (2025-12-18): UW discretion | 12/20/2025 |  |  | 1 C A |  | OH | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 150 (redacted) |  | 35713780 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | OH | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 151 (redacted) |  | 35713782 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final 1003 reflects borrower #2 is a US Citizen, but file contains a permanent resident card for borrower #2. |  |  |  | Reviewer Comment (2025-12-23): Received 1003 with corrected citizenship for borrower 2. Exception cleared.<br>Buyer Comment (2025-12-19): revised 1003 | 12/23/2025 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 151 (redacted) |  | 35713784 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower was not provided Maryland HPML disclosure. |  |  |  | Buyer Comment (2025-12-22): We accept a EV2 grade. Please waive to grade B. |  |  | 12/22/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 151 (redacted) |  | 35713785 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of 8.49086% or Final Disclosure APR of 8.56200% is equal to or greater than the threshold of APOR 6.23% + 1.5%, or 7.73000%. Non-Compliant Higher Priced Loan. | State HPML non-compliant due to borrower was not provided Maryland HPML disclosure. |  |  |  | Buyer Comment (2025-12-22): We accept a EV2 grade. Please waive to grade B. |  |  | 12/22/2025 | 2 B |  | MD | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 151 (redacted) |  | 35713787 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | MD | Primary | Purchase | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 152 (redacted) |  | 35713792 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. $2.00 over legal limit. Insufficient or no cure was provided to the borrower. | TX Guaranty Fee increased from $0 to $2.00 without a valid change of circumstance. |  |  |  | Reviewer Comment (2026-01-02): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-12-31): Cure Docs attached |  | 01/02/2026 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Exempt from ATR | Yes |
| (redacted) | 152 (redacted) |  | 35713793 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Per Item 6 of Schedule C of the title commitment provided, there are numerous judgments and liens filed against parties with the name of our borrower. An affidavit stating that our borrower is not one and the same person named in said liens is required. File does not contain this executed affidavit. Evidence of clear title required. |  |  |  | Reviewer Comment (2026-01-21): Received Not Same Person Affidavit. Exception cleared.<br>Buyer Comment (2026-01-21): Please see the attached affidavit confirming not the Borrower. Thank you. | 01/21/2026 |  |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 152 (redacted) |  | 35713794 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | TX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Exempt from ATR | No |
| (redacted) | 153 (redacted) |  | 35713797 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Assets $$11,843.06 available after closing only covers 2.15 months of reserves, guideline requires 3 months of reserves. |  |  |  | Reviewer Comment (2025-12-24): Evidence of taxes POC received in trailing documents, resulting in sufficient reserves.<br>Buyer Comment (2025-12-22): tax receipt<br>Buyer Comment (2025-12-22): taxes paid by CC | 12/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 153 (redacted) |  | 35713798 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Assets $$11,843.06 available after closing only covers 2.15 months of reserves, guideline requires 3 months of reserves. |  |  |  | Reviewer Comment (2025-12-24): Evidence of taxes POC received in trailing documents, resulting in sufficient reserves.<br>Buyer Comment (2025-12-22): see attached taxes paid by CC | 12/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 153 (redacted) |  | 35713800 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 153 (redacted) |  | 35713801 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to file being short required 3 months' reserves. |  |  |  | Reviewer Comment (2025-12-24): Evidence of taxes POC received in trailing documents, resulting in sufficient reserves. | 12/24/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Exempt from ATR | Yes |
| (redacted) | 153 (redacted) |  | 35713802 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Due to file being short required 3 months' reserves. |  |  |  | Reviewer Comment (2025-12-24): Evidence of taxes POC received in trailing documents, resulting in sufficient reserves. | 12/24/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 153 (redacted) |  | 35713805 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Due to file being short required 3 months' reserves. |  |  |  | Reviewer Comment (2025-12-24): Evidence of taxes POC received in trailing documents, resulting in sufficient reserves. | 12/24/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Exempt from ATR | No |
| (redacted) | 154 (redacted) |  | 35713806 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-12-24): Final Title Policy document received in file and information updated. Exception Cleared. | 12/24/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B A | N/A | Exempt from ATR | No |
| (redacted) | 154 (redacted) |  | 35713807 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | A full second appraisal is required. |  |  |  | Reviewer Comment (2025-12-24): 1004 Full Appraisal received and information updated. Exception Cleared.<br>Buyer Comment (2025-12-22): 2nd appraisal | 12/24/2025 |  |  | 1 D A |  | CA | Investment | Purchase | D B A | N/A | Exempt from ATR | No |
| (redacted) | 154 (redacted) |  | 35713808 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing a copy of the Appraisal Invoice from XXXX |  |  |  | Reviewer Comment (2025-12-24): Appraisal Invoice document received in file and associated. Exception Cleared.<br>Buyer Comment (2025-12-22): invoice | 12/24/2025 |  |  | 1 C A D |  | CA | Investment | Purchase | D B A | N/A | Exempt from ATR | No |
| (redacted) | 154 (redacted) |  | 35713810 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-12-24): Final Title Policy document received in file and information updated. Exception Cleared.<br>Buyer Comment (2025-12-23): final title | 12/24/2025 |  |  | 1 B A |  | CA | Investment | Purchase | D B A | N/A | Exempt from ATR | No |
| (redacted) | 154 (redacted) |  | 35713811 |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | The Final Title Policy is showing coverage Amount $XXXX, however Note document is showing loan amount $XXXX |  |  |  | Reviewer Comment (2026-01-07): Final Title Policy Amount of XXXX received. Exception cleared.<br>Buyer Comment (2026-01-05): title<br>Reviewer Comment (2025-12-31): The provided Final Title Policy is still showing coverage Amount XXXX which is lesser than the note amount, exception cleared.<br>Buyer Comment (2025-12-29): title | 01/07/2026 |  |  | 1 A |  | CA | Investment | Purchase | D B A | N/A | Exempt from ATR | No |
| (redacted) | 154 (redacted) |  | 35713812 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Per fraud report, REO owned item number 2, and borrower LOE in file, there is an additional REO owned on XXXX that was not disclosed on the final 1003. Fraud report reflects free and clear; however, taxes and insurance were not provided and borrower LOE indicates a possible mortgage in process with same lender. Please provide evidence of PITIA for this REO. |  |  |  | Reviewer Comment (2025-12-31): Verified the PITIA from the First payment letter, exception cleared<br>Buyer Comment (2025-12-29): FPL XXXX | 12/31/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B A | N/A | Exempt from ATR | No |
| (redacted) | 154 (redacted) |  | 35713813 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Per fraud report, REO owned item number 2, and borrower LOE in file, there is an additional REO owned on Cedar Street that was not disclosed on the final 1003. Fraud report reflects free and clear; however, taxes and insurance were not provided and borrower LOE indicates a possible mortgage in process with same lender. Please provide evidence of PITIA for this REO. |  |  |  | Reviewer Comment (2025-12-31): Verified the PITIA from the First payment letter, exception cleared<br>Buyer Comment (2025-12-29): see attached FPL | 12/31/2025 |  |  | 1 A |  | CA | Investment | Purchase | D B A | N/A | Exempt from ATR | No |
| (redacted) | 154 (redacted) |  | 35713814 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated DTI exceeds guideline threshold of 50% after adding the monthly obligation of REO XXXX | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $31,392.67<br>Reserves: 25.84<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 729 | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-09): Waived with compensating factors per lender approved exception provided in trailing docs.<br>Buyer Comment (2026-01-07): exception |  |  | 01/09/2026 | 2 B |  | CA | Investment | Purchase | D B A | N/A | Exempt from ATR | No |
| (redacted) | 155 (redacted) |  | 35713819 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Per guidelines, for rental payments made to a private party, 12 months' cancelled checks or bank statements are required. Lender approved exception at origination to allow private party VOR without the required 12 months cancelled checks or bank statements. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $27,426.10<br>Reserves: 24.93<br> Guideline Requirement: 3.00<br>DTI: 10.05191% <br> Guideline Maximum DTI: 50.00000% | SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2025-12-20): Waived with compensating factors per lender exception approval at origination. |  |  | 12/20/2025 | 2 B |  | TX | Primary | Purchase | A B | Non QM | Exempt from ATR | No |
| (redacted) | 155 (redacted) |  | 35713820 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive.<br>Buyer Comment (2025-12-22): Please specify which document you are requesting. |  |  | 12/22/2025 | 2 A |  | TX | Primary | Purchase | A B | Non QM | Exempt from ATR | No |
| (redacted) | 157 (redacted) |  | 35713826 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing complete 12 months' housing history as required by guidelines. Mortgage statements provided; however, missing evidence of 11/2024 payment. |  |  |  | Reviewer Comment (2025-12-26): Mortgage statement is present in file to verify 12 months housing history and also Bank statement provided for 11/2024 associated. Exception cleared<br>Buyer Comment (2025-12-23): Nov 2024 payment | 12/26/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Exempt from ATR | No |
| (redacted) | 157 (redacted) |  | 35713827 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Exempt from ATR | No |
| (redacted) | 157 (redacted) |  | 35713829 |  | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | Document provided is not executed by Lender on first page. |  |  |  | Reviewer Comment (2026-01-05): Fair Market Acknowledgment Signed By Lender Received. Exception Cleared.<br>Buyer Comment (2025-12-31): please see | 01/05/2026 |  |  | 1 C A D |  | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | Non QM | Exempt from ATR | Yes |
| (redacted) | 157 (redacted) |  | 35713830 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $195.00 exceeds tolerance of $0.00. $195.00 over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded. COC form does not list reason for fee being added, only that it was added. |  |  |  | Reviewer Comment (2025-12-24): SitusAMC received rebuttal comment and as per COC and subject to 1004.<br>Buyer Comment (2025-12-23): we received the appraisal on 11/5, and fees was added to 11/10 CD, within 3 days(in between Saturday Sunday not counted) | 12/24/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Exempt from ATR | Yes |
| (redacted) | 157 (redacted) |  | 35713831 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Files is missing NORTC signed by non-borrowing spouse. |  |  |  | Reviewer Comment (2026-01-14): Reopened rescission and proof of delivery provided.<br>Reviewer Comment (2026-01-07): Condition will be reviewed once new rescission period has expired.<br>Buyer Comment (2026-01-07): Please find attached the RTC.<br>Reviewer Comment (2026-01-02): Received same NORTC as in original package and previous submission. The non-borrowing spouse is required to sign a separate NORTC.<br>Buyer Comment (2025-12-31): please see<br>Reviewer Comment (2025-12-26): Received same NORTC as in original file. Additional owner XXXX is required to sign NORTC.<br>Buyer Comment (2025-12-24): please see |  | 01/14/2026 |  | 2 C B |  | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | Non QM | Exempt from ATR | Yes |
| (redacted) | 157 (redacted) |  | 35713832 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | Per guidelines, all judgments and liens must be paid in full prior to or at closing. Fraud report reflects 3 open tax liens with no evidence they were paid in full prior to or at closing. Loan file contains email from settlement agent indicating the tax liens are expired; however, guideline do not indicate that expired tax liens may remain open/unpaid at closing. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 38.47338% <br> Guideline Maximum DTI: 50.00000%<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $14,815.64 | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-12): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-01-08): exception<br>Reviewer Comment (2026-01-07): If Lender is accepting attorney opinion letter, a request to waive can be made; however, based on guidelines used in review, we would be unable to clear without evidence they were paid at or prior to closing.<br>Buyer Comment (2026-01-05): attorney opinion letter<br>Reviewer Comment (2025-12-26): Received and reviewed document provided for tax liens of $XXXX and $XXXX and we are still missing with Evidence of Release of Tax Lien for the amount of $XXXX. Exception remains<br>Buyer Comment (2025-12-23): attorney opinion letter |  |  | 01/12/2026 | 2 B |  | TX | Primary | Refinance - Cash-out - Other | D B C A | Non QM | Exempt from ATR | No |
| (redacted) | 158 (redacted) |  | 35713836 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | IL | Primary | Purchase | A | Non QM | Exempt from ATR | No |
| (redacted) | 159 (redacted) |  | 35713841 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | Guidelines for ITIN borrowers under the full doc/1099 program require current executed transcripts to validate the borrower's current ITIN status. Loan was approved as 1 year full doc loan and file does not contain the current executed transcripts. Further, the ITIN letter provided is more than 3 years old. |  |  |  | Reviewer Comment (2026-01-06): Most recent transcript received, requirements met<br>Buyer Comment (2026-01-02): 01/02-Please see attached | 01/06/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |
| (redacted) | 159 (redacted) |  | 35713842 |  | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |  |  |  |  | Reviewer Comment (2025-12-22): Client requested ATR testing and elects to waive. |  |  | 12/22/2025 | 2 A |  | TX | Primary | Purchase | C A | Non QM | Exempt from ATR | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| |
|:---|
| ![](ex99-1sch3_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 2/4/2026 4:39:26 PM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| (redacted) | 1 (redacted) |  |  | C |  | A | C | A |  | A | A |  |
| (redacted) | 2 (redacted) |  |  | C |  | A | C | A |  | A | A |  |
| (redacted) | 3 (redacted) |  |  | C |  | A | C | A |  | A | A |  |
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| (redacted) | 5 (redacted) |  |  | C |  | A | C | B |  | A B | B |  |
| (redacted) | 6 (redacted) |  |  | C |  | A | C | A |  | A | A |  |
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| (redacted) | 132 (redacted) |  |  | B | A | A | B | B | A | A | B |  |
| (redacted) | 133 (redacted) |  |  | C | A | A | C | A | A | A | A |  |
| (redacted) | 134 (redacted) |  |  | A | A | A | A | A | A | A | A |  |
| (redacted) | 135 (redacted) |  |  | C | A | A | C | A | A | A | A |  |
| (redacted) | 136 (redacted) |  |  | D | B | A | D | A | A | A | A |  |
| (redacted) | 137 (redacted) |  |  | A | A | A | A | A | A | A | A |  |
| (redacted) | 138 (redacted) |  |  | A | B | A | B | A | B | A | B |  |
| (redacted) | 139 (redacted) |  |  | C | A | A | C | A | A | A | A |  |
| (redacted) | 140 (redacted) |  |  | C D | C | A | C D | A | A | A | A |  |
| (redacted) | 141 (redacted) |  |  | C | A | D | D | A | A | A | A |  |
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| (redacted) | 144 (redacted) |  |  | C | A | A | C | A | A | A | A |  |
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| (redacted) | 146 (redacted) |  |  | A | C | A | C | A | A | A | A |  |
| (redacted) | 147 (redacted) |  |  | A | A | A | A | A | A | A | A |  |
| (redacted) | 148 (redacted) |  |  | A | A | A | A | A | A | A | A |  |
| (redacted) | 149 (redacted) |  |  | C D | C | A | C D | A | A | A | A |  |
| (redacted) | 150 (redacted) |  |  | C | A | A | C | A | A | A | A |  |
| (redacted) | 151 (redacted) |  |  | C | B | A | C | A | B | A | B |  |
| (redacted) | 152 (redacted) |  |  | A | C | A | C | A | B | A | B |  |
| (redacted) | 153 (redacted) |  |  | C | A | A | C | A | A | A | A |  |
| (redacted) | 154 (redacted) |  |  | C D | A | D | D | B | A | A | B |  |
| (redacted) | 155 (redacted) |  |  | A | A | A | A | B | A | A | B |  |
| (redacted) | 156 (redacted) |  |  | A | A | A | A | A | A | A | A |  |
| (redacted) | 157 (redacted) |  |  | C | C D | A | C D | B | B | A | B |  |
| (redacted) | 158 (redacted) |  |  | A | A | A | A | A | A | A | A |  |
| (redacted) | 159 (redacted) |  |  | C | A | A | C | A | A | A | A |  |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

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|:---|
| ![](ex99-1sch4_001.jpg) |
| **Valuation Report** |
| **Run Date - 2/4/2026 4:39:27 PM** |

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| (redacted) | 1 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 2 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 3 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| (redacted) | 4 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 5 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -100.000% |  | Indeterminate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| (redacted) | 6 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 7 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| (redacted) | 8 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 9 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 10 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| (redacted) | 11 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 12 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 13 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 14 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 15 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 16 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 17 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 18 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 19 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 20 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 21 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 22 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| (redacted) | 23 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 24 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 25 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 26 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 27 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 28 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 29 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 30 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 31 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 32 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 33 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 34 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 35 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 36 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 37 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 38 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.90 |
| (redacted) | 39 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.360% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 40 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 |
| (redacted) | 41 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| (redacted) | 42 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 43 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 44 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 45 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 46 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.400% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| (redacted) | 47 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| (redacted) | 48 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 49 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 50 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.00 |
| (redacted) | 51 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 52 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 53 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 54 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 55 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| (redacted) | 56 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 57 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 58 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 59 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 60 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 61 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| (redacted) | 62 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 63 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 64 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| (redacted) | 65 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 66 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 67 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.940% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.60 |
| (redacted) | 68 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 69 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 70 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 71 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 72 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.560% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| (redacted) | 73 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.70 |
| (redacted) | 74 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 75 (redacted) |  |  |  |  |  |  |  | 4.170% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 76 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 77 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| (redacted) | 78 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 79 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 80 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 81 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 82 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 83 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 84 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 85 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 86 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 87 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 88 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 89 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 90 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 91 (redacted) |  |  |  |  |  |  |  | 2.860% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| (redacted) | 92 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 93 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| (redacted) | 94 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| (redacted) | 95 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| (redacted) | 96 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| (redacted) | 97 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 98 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 99 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| (redacted) | 100 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 101 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 102 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 103 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 104 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| (redacted) | 105 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 106 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| (redacted) | 107 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 108 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.00 |
| (redacted) | 109 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 110 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 111 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 112 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| (redacted) | 113 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 114 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| (redacted) | 115 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| (redacted) | 116 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.990% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 117 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| (redacted) | 118 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| (redacted) | 119 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 120 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 121 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| (redacted) | 122 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 123 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| (redacted) | 124 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 125 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| (redacted) | 126 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| (redacted) | 127 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 128 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 129 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 130 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 131 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 132 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| (redacted) | 133 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 134 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| (redacted) | 135 (redacted) |  |  |  |  |  |  |  | 3.190% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 136 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| (redacted) | 137 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.520% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| (redacted) | 138 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| (redacted) | 139 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 140 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| (redacted) | 141 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| (redacted) | 142 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 143 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 144 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| (redacted) | 145 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| (redacted) | 146 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| (redacted) | 147 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 148 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 149 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 150 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| (redacted) | 151 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| (redacted) | 152 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 153 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 154 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.950% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| (redacted) | 155 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 156 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| (redacted) | 157 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| (redacted) | 158 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| (redacted) | 159 (redacted) |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.2

**Exhibit 99.2**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), performed certain due diligence services (the "Review") described below on newly originated residential mortgage loans acquired by Sutton Funding LLC through a bulk purchase. The review included a total of 154 newly originated residential mortgage loans, in connection with the securitization identified as BARC 2026-NQM3 (the "Securitization"). The Review was conducted from October 2025 through December 2025 on mortgage loans originated between October 2025 and November 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. 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;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 (154 loans in total):

Nine (9) loans had a Secondary Appraisal, zero (0) loans had AVMs, and one hundred fifty-two (152) loans had a Desktop Review. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Two (2) loans had a Field Review or BPO, and zero (0) loans had a Full Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred fifty-four (154) mortgage loans reviewed, sixteen (16) unique mortgage loans (10.39% by loan count) had a total of nineteen (19) different tape discrepancies across six (6) 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;Borrower 1 Citizen | &nbsp;&nbsp;10 | &nbsp;&nbsp;52.63% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;15.79% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;2 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**19** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 149 | $95309256.00 | 96.75% |
| Event Grade B | 5 | $9637000.00 | 3.25% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 154 | $104946256.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 152 | 98.70% |
| Event Grade B | 2 | 1.30% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 154 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 152 | 98.70% |
| Event Grade B | 2 | 1.30% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 154 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 153 | 99.35% |
| Event Grade B | 1 | 0.65% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 154 | 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;121 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Approval/Underwriting Summary Partially Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Rent Loss Insurance Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Note is Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Lease Agreements Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Credit Report Supplement | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing evidence Mortgage/Deed of Trust will be recorded | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**168** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is greater than Guideline Maximum Loan Amount | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;132 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CT Nonprime Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;NC Rate Spread Home Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;OK HOEPA Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Final CD: File # is missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;MD COMAR Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**160** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;152 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**153** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**1** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 6660515 | XXXXX | Index | XXX | XXX | Taken from note terms |
| 6660515 | XXXXX | Qualifying Interest Rate | XXX | XXX | Qualifying interest rate |
| 6660489 | XXXXX | Qualifying FICO | XXX | XXX | Confirmed on the credit report. Primary Wage Earner middle score. |
| 6660582 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6660527 | XXXXX | Qualifying Interest Rate | XXX | XXX | I/O ARM (SOFR) qualifying rate |
| 6660527 | XXXXX | Index | XXX | XXX | Updated Index |
| 6660589 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower is a non-permanent resident alien. |
| 6660638 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6660491 | XXXXX | Borrower 1 Citizen | XXX | XXX | XXX - I821D |
| 6660581 | XXXXX | Note Date | XX/XX/XXXX | XX/XX/XXXX | Note date verified via closing docs in file. |
| 6660492 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6660551 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower is a permanent resident alien. |
| 6660528 | XXXXX | Qualifying Interest Rate | XXX | XXX | Note entries on the Note page have been verified to Note page |
| 6660594 | XXXXX | Calculated DSCR | XXX | XXX | Discrepancy in the DSCR coverage ratio is the Hazard Insurance. Lender included $XXX/mo however according to the recent HOI Policy actual hazard is $XXX/mo. |
| 6660565 | XXXXX | Borrower 1 Citizen | XXX | XXX | Borrower is a Permanent Resident Alien |
| 6660559 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per loan approval |
| 6660559 | XXXXX | Qualifying FICO | XXX | XXX | Per Primary Wage Earner |
| 6660568 | XXXXX | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 6660560 | XXXXX | Borrower 1 Citizen | XXX | XXX | Confirmed on the final 1003 and residency docs. |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **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** |
| 6660494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/29/2025 | Resolved | finding-3716 | Compliance | XXX Per Diem Interest Amount Test | Disbursement date was XX/XX/XXXX, however interest was collected as of XX/XX/XXXX; The file did not contain a PCCD or Final settlement statement This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($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. | Document Uploaded. | 10/30/2025 | PCCD provided; Exception resolved; PCCD provided; Exception resolved | 11/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6660494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6660494 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational ; Informational ; Informational ; Informational | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6660496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/03/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Letter of explanation regarding how rent was paid and to whom, needs to be signed by the borrower. | Document Uploaded. | 11/07/2025 | Documentation is sufficient. Signed LOE provided. Exception resolved.; Housing History Meets Guideline Requirements | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6660496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/03/2025 | Rescinded | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. Missing XXX% access letter for XXX #XXX as there is another person that is also listed on the bank account. | not required. please rescind | 11/05/2025 | Documentation is sufficient. Access letter not required. Exception rescinded.; Asset Record 1 Meets G/L Requirements | 11/06/2025 | C A |
| 6660496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/31/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A 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. |  |  | Informational | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6660496 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/04/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 6660495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/04/2025 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX Lender Approved Exception granted to allow loan amount to exceed maximum allowable per guidelines by, $XXX. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6660495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6660495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6660495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6660485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660485 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.08% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 23.08% is less than Guideline LTV of 80% A |
| 6660574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.08% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 23.08% is less than Guideline LTV of 80% A |
| 6660574 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 23.08% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 23.08% is less than Guideline LTV of 80% A |
| 6660577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.69% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.69% is less than Guideline CLTV of 85% A |
| 6660577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.69% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.69% is less than Guideline CLTV of 85% A |
| 6660577 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 46.69% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 46.69% is less than Guideline CLTV of 85% A |
| 6660501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.99% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 68.99% is less than Guideline LTV of 85%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.99% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 68.99% is less than Guideline LTV of 85%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660501 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.99% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 68.99% is less than Guideline LTV of 85%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660588 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Missing letter of explanation from all parties on title to verify that there is no cost to the borrower/XXX for the removal of XXX and XXX title of subject property. | Document Uploaded. | 11/14/2025 | Documentation is sufficient. LOE provided. Exception resolved. | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660588 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660588 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660499 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.07% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 74.07% is less than Guideline LTV of 90% A |
| 6660489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.07% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 74.07% is less than Guideline LTV of 90% A |
| 6660489 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.07% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 74.07% is less than Guideline LTV of 90% A |
| 6660592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | A |
| 6660592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | A |
| 6660592 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | A |
| 6660497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660497 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. HPML escrow established, appraisal requirement met |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX% is less than Guideline DTI of XX% A |
| 6660516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX% is less than Guideline DTI of XX% A |
| 6660516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XX% is less than Guideline DTI of XX% A |
| 6660571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. Missing Organization documents for XXX which is the borrower for the refinance of XXX to source the proceeds used for funds to close and reserves for the subject loan. | Document Uploaded. | 11/12/2025 | Documentation is sufficient. Closing statement provided. Exception resolved.; Asset Record 1 Meets G/L Requirements | 11/14/2025 | C A |
| 6660571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | C A |
| 6660571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | C A |
| 6660571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | C A |
| 6660498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Total Assets, $XXX. XXX months required reserves, $XXX. Cash to close, $XXX. Total required assets, $XXX. Shortage, $XXX. Additional asset documentation covering 3 months PITIA reserves and funds to close is required. | Document Uploaded. broker comp was XXX and lowered to XXX; Document Uploaded. | 11/17/2025 | Documentation is sufficient. Revised CD provided. Exception resolved.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Statements provided support original calculations. Still short reserves. Exception remains. | 11/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660498 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XX/XX/XXXX XXX #XXX bank statements used for income calculation for XXX. Lender requires XXX months of consecutive bank statements. | Document Uploaded. Missing XXX statements for months XX/XX/XXXX uploaded - borrower changed backs in XX/XX/XXXX. | 11/13/2025 | Documentation is sufficient. Bank statements provided. Exception resolved.; Income and Employment Meet Guidelines | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met 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. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | A |
| 6660593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | A |
| 6660593 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | A |
| 6660508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing evidence of one months receipt for rental income of $XXX for REO XXX. Per lender guidelines if positive rent is used, evidence of one month receipt is required. | Document Uploaded. ; See 1008- No positive income was used. Our guidelines state that we need proof of receipt only when positive income is used for qualification. | 11/17/2025 | Income and Employment Meet Guidelines; Received rebuttal from lender stating receipt for proof of rental income is not required because positive rent is not being used, its just offsetting the payments. Which is correct per guidelines. Located the Lease Agreement in the loan file, reflecting borrower is renting property for $XXX per month. Nothing else is needed.; Income is being used to offset the payment on the Severo property. Would need documentation to count the offset figures. Exception remains. | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Rescinded | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Subject property has 2 ADU's. Appraiser did not comment that the property specifically conforms with local zoning laws and regulations. Per lender guidelines the appraiser must specifically confirm compliance with local zoning laws and regulations. | Permits were issued on both ADU's it stands to reason that the ADU's are in compliance with local zoning. They are attached and the additional comments from the appraiser are not necessary. | 11/13/2025 | Documentation is sufficient. Appraisal acceptable. Exception resolved. | 11/14/2025 | C A |
| 6660508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Rescinded | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing hazard insurance for XXX as first payment letter in file for XXX #XXX reflects a mortgage in the borrowers name/company name. LOE in file stated he lives rent free at this address, but the new mortgage with XXX is in his name/company name. | First payment letter you are referring to is for XXX (which has already been counted in the system) XXX is just the mailing address on this first payment letter. Loan is for XXX. Please rescind. | 11/13/2025 | Documentation is sufficient. Payment letter is for a different address. Exception rescinded. | 11/14/2025 | C A |
| 6660508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660573 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Final 1003 reflects REO, XXX, was sold. Billing statement reflects zero payment due with a $XXX balance. Missing evidence REO XXX | Document Uploaded. | 11/12/2025 | Documentation is sufficient. Updated explanation and 1003 provided acceptable. Exception resolved. | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6660517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6660517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6660586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Rescinded | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record 2 Does Not Meet G/L Requirements Missing trust documents for the XXX separate trust under the XXX. Funds in the XXX account #XXX is held under a trust so will need to verify access to the funds. | Document Uploaded. | 11/12/2025 | Documentation is sufficient. Borrower has access to funds. Exception rescinded.; Asset Record 2 Meets G/L Requirements Or Not Applicable | 11/14/2025 | D A |
| 6660586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE1201 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing Third Party Fraud Report | Document Uploaded. | 11/12/2025 | Documentation is sufficient. Fraud report provided. Exception resolved.; Third Party Fraud Report is provided | 11/13/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660586 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% A |
| 6660583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% A |
| 6660583 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% A |
| 6660590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | A |
| 6660590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | A |
| 6660590 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | A |
| 6660510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Underwriting Final Approval reflects a purchase price of, $XXX. The Purchase Agreement states a Purchase Price of $XXX. Documentation to support the purchase price of, $XXX, is required. | Document Uploaded. This was in the escrow instructions. | 11/12/2025 | Documentation is sufficient. Addendum provided. Exception resolved.; Purchase Contract Doc is complete. | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% D A |
| 6660510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete - The required Inter Vivos Trust Rider is missing from the loan file. | Document Uploaded. | 11/12/2025 | Documentation is sufficient. Trust Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% D A |
| 6660510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% D A |
| 6660510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% D A |
| 6660576 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.6% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.6% is less than Guideline CLTV of 80% A |
| 6660576 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.6% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.6% is less than Guideline CLTV of 80% A |
| 6660576 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.6% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.6% is less than Guideline CLTV of 80% A |
| 6660575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Missing the Standard Flood Hazard Determination Form to complete audit. | Document Uploaded. | 11/13/2025 | Documentation is sufficient. Flood Cert provided. Exception resolved.; Flood Certificate is fully present | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660575 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met 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. |  |  | Informational | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | finding-2623 | Compliance | XXX Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the XXX higher-priced mortgage loan test. (XXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations (XXX).While the XXX provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE1345 | Credit | Borrower 1 Lease Agreements Missing | Borrower 1 Lease Agreements Missing Final 1003 reflects monthly rental income of, $XXX, for REO, XXX. The Lease Agreement is missing from the loan file. | Document Uploaded. | 11/13/2025 | Documentation is sufficient. Updated 1008 and 1003 provided, deleting rental income. Exception resolved.; Borrower 1 Lease Agreements Provided | 12/01/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Originator qualifying backend DTI is greater than XXX% - . A |
| 6660502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Originator qualifying backend DTI is greater than XXX% - . A |
| 6660502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Originator qualifying backend DTI is greater than XXX% - . A |
| 6660500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.98% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 64.98% is less than Guideline LTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.98% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 64.98% is less than Guideline LTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660500 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.98% is less than Guideline CLTV of 75%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 64.98% is less than Guideline LTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | A |
| 6660579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | A |
| 6660579 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | A |
| 6660582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660582 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE9549 | Credit | Missing Credit Report Supplement | Missing credit supplement to confirm car sold by borrower with a monthly payment of $XXX was for XXX, which was excluded from the DTI. | Document Uploaded. | 11/17/2025 | Documentation is sufficient. Payoff receipt provided. Exception resolved. | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Rescinded | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Guidelines state reserves required for the loan is XXX months. Additional financed properties (XXX) owned by the borrower requires an additional XXX months reserves. XXX months PITIA reserves required. After closing costs of $XXX and EMD of $XXX were applied $XXX remaining for reserves, which is a variance of $XXX. | Per UW - total reserves required should be XXX months, we should have had enough to cover reserves and closing. | 11/13/2025 | Documentation is sufficient. Reserves are adequate. Exception rescinded.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 11/14/2025 | D A |
| 6660520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Rescinded | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Guidelines state reserves required for the loan is XXX months. Additional financed properties (XXX) owned by the borrower requires an additional XXX months reserves. XXX months PITIA reserves required. After closing costs of $XXX and EMD of $XXX were applied $XXX remaining for reserves, which is a variance of $XXX. | Total reserves required should be XXX months, we should have had enough to cover reserves and closing. | 11/13/2025 | Documentation is sufficient. Reserves are adequate. Exception rescinded.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. | 11/14/2025 | D A |
| 6660520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660572 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | A |
| 6660591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | A |
| 6660591 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | A |
| 6660585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660585 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660595 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.1% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 80% A |
| 6660611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.1% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 80% A |
| 6660611 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.1% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.1% is less than Guideline CLTV of 80% A |
| 6660527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE2009 | Credit | Rent Loss Insurance Missing | Missing rent loss insurance coverage Hazard policy does not include rent loss coverage which is required for all Subject Investment properties | Document Uploaded. No rental income utilized for qualifying; no rent loss required. See 1008 comments from UW.  | 11/13/2025 | Documentation is sufficient. 1008 stating no rental income being used. Exception resolved.; Rent Loss Coverage Present | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $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). TILA 130B Cure required, Cure of $XXX required Cure package requires PCCD, LOE, copy of refund check, proof of delivery or valid COC. The 2nd appraisal review fee was added on the final CD without a valid COC in file. | Document Uploaded. | 11/17/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XX/XX/XXXX, and XX/XX/XXXX business bank statements. Lender guidelines require XXX months of bank statements. Income subject to recalculation upon receipt. | Document Uploaded. | 11/13/2025 | Documentation is sufficient. Bank statements provided. Exception resolved.; Income and Employment Meet Guidelines | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660578 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | A |
| 6660578 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | A |
| 6660578 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | A |
| 6660584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.29% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.29% is less than Guideline LTV of 75% A |
| 6660584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.29% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.29% is less than Guideline LTV of 75% A |
| 6660584 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.29% is less than Guideline CLTV of 75%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 54.29% is less than Guideline LTV of 75% A |
| 6660615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | A |
| 6660615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | A |
| 6660615 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | A |
| 6660612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| 6660612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| 6660612 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| 6660596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | A |
| 6660596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | A |
| 6660596 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | A |
| 6660604 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | A |
| 6660604 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | A |
| 6660604 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | A |
| 6660484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660602 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.95% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.95% is less than Guideline CLTV of 85% A |
| 6660598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.95% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.95% is less than Guideline CLTV of 85% A |
| 6660598 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.95% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.95% is less than Guideline CLTV of 85% A |
| 6660589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE5116 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing credit supplement/VOM for the mortgage loan being paid off XXX #XXX to show paid as agreed due for XX/XX/XXXX payment. | Document Uploaded. Payoff is dated XX/XX/XXXX and good through XX/XX/XXXX. We closed on XX/XX/XXXX - payment is XXX according to the mortgage statement. and we are only paying interest to XX/XX/XXXX on this payoff. It would stand to reason that the account is current, as there are no late fees stated on the payoff and the interest is the only item we're adding besides release fees. Do you still need a VOM or supp? | 11/14/2025 | Documentation is sufficient. Payoff document provided is acceptable. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 11/17/2025 | D A |
| 6660589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | D A |
| 6660589 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | D A |
| 6660613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | A |
| 6660613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | A |
| 6660613 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | A |
| 6660638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | A |
| 6660638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | A |
| 6660638 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | A |
| 6660537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide documentation for monthly XXX for primary residence in the amount of $XXX listed on the final 1003. | Document Uploaded. Re-uploaded mortgage statement that reflects taxes and hoi impounded & HOA statement of $XXX annually = $XXX monthly - these were in the file under the Property-Owned: Current Mortgage Statement folder<br> ; Document Uploaded. ; Document Uploaded. | 11/19/2025 | Documentation is sufficient. Mortgage statement, Hazard policy and HOA information provided. Exception resolved.; Still missing the HOA documentation that verifies the monthly amount of the HOA dues. Exception remains. | 11/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Business Purpose Affidavit/Disclosure Missing | Document Uploaded. | 11/14/2025 | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A 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. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | A |
| 6660605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | A |
| 6660605 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | A |
| 6660603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% A |
| 6660603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% A |
| 6660603 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% A |
| 6660609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.82% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.82% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.82% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.82% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660609 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.82% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.82% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | A |
| 6660599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | A |
| 6660599 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | A |
| 6660493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A 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. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660493 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing Income worksheet for Business Bank statement income. | Document Uploaded. | 11/14/2025 | Documentation is sufficient. Worksheet provided. Exception resolved. | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660486 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 56.03% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.03% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660486 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 56.03% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.03% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660486 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 56.03% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.03% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraiser commented there is an unfinished loft above the garage but did not provide pictures of the interior of the loft. Pictures of the loft are required to be able to determine if it's an ADU. Appraisal also to be updated if it's determined it's an ADU. | Document Uploaded. | 12/01/2025 | Guidelines require pictures of all rooms. There is an unfinished loft above the garage, but pictures were not provided. However, an exception request was approved allowing the appraisal without pictures, citing compensating factors of an excellent credit history, minimal use of consumer credit, excessive reserves, significant residual income and long term job. Acknowledged and downgraded. | 12/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Guideline require to use an expense factor lower than XXX%: Provide a CPA/Licensed Tax Preparer stating the business' expense ratio based on the most recent year's tax return. However, the CPA letter in file does not state that the XXX% expense factor is based on the most recent tax return. | Document Uploaded. | 11/14/2025 | Documentation is sufficient. CPA letter stating the expense factor provided. Exception resolved.; Income and Employment Meet Guidelines | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660491 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | finding-2261 | Compliance | NC Rate Spread Home Loan Test | This loan failed the XXX rate spread home loan test.<br> (XXX GS §24-1.1F(a)(7))The loan is a rate spread home loan, as defined in the legislation. For more information please see the XXX Rate Spread Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. HPML Compliant. Exception downgraded. |  |  | Informational | 11/13/2025 | A |
| 6660534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. HPML Compliant. Exception downgraded. |  |  | Informational | 11/13/2025 | A |
| 6660534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | A |
| 6660534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | A |
| 6660600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| 6660600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| 6660600 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% A |
| 6660531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | A |
| 6660610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | A |
| 6660610 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | A |
| 6660587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | A |
| 6660587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | A |
| 6660587 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | A |
| 6660581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing section 3 to 6 of the Final 1003 | Document Uploaded. | 11/17/2025 | Documentation is sufficient. 1003 provided. Exception resolved.; The Final 1003 is Present | 11/18/2025 | D A |
| 6660581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/11/2025 | Resolved | FCOM1208 | Credit | The Note is Incomplete | The Note is Incomplete Missing page 1 of Note. | Document Uploaded. | 11/17/2025 | Documentation is sufficient. Note provided. Exception resolved.; The Note is Present | 11/18/2025 | D A |
| 6660581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing page 1 of DOT. | Document Uploaded. | 11/17/2025 | Documentation is sufficient. Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | 11/18/2025 | D A |
| 6660581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Rescinded | FCOM4028 | Credit | Missing evidence Mortgage/Deed of Trust will be recorded | Missing evidence of Mortgage recording Missing page 1 of DOT. | this is a duplicate of a condition - please rescind one of them. | 11/17/2025 | Documentation is sufficient. DOT provided, duplicate condition. Exception rescinded. | 11/18/2025 | D A |
| 6660581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | D A |
| 6660581 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | D A |
| 6660504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660504 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660492 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | A |
| 6660614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | A |
| 6660614 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | A |
| 6660525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660597 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | A |
| 6660607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | A |
| 6660607 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | A |
| 6660601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | A |
| 6660601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | A |
| 6660601 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | A |
| 6660606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM9842 | Compliance | Final CD: File # is missing | Missing Final CD. | Document Uploaded. | 11/19/2025 | Documentation is sufficient. Final CD provided. Exception resolved. | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660606 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Loan program being Prime Standard Full Doc XXX Yr Fixed requires a minimum two (2) year history of receipt of wage/salary. Lender provided 1+ years supporting documentation for borrower's current employment at XXX via WVOE/Paystubs/W-2, however, the XXX W-2 in file is for another employment at Insperity PEO services L.P. not reported on final 1003. VVOE confirms that borrower's current employment commenced in XX/XX/XXXX. Missing year XXX documentation for borrower's current employment or confirmation that the two employers are affiliated. | Document Uploaded. | 11/17/2025 | Documentation is sufficient. LOE provided. Exception resolved. | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 41.3% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.3% is less than Guideline CLTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 41.3% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.3% is less than Guideline CLTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 41.3% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.3% is less than Guideline CLTV of 75%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Rescinded | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines P&L Statement, XXX, reflects effective dates of, XX/XX/XXXX, a period of XXX months. Guidelines require the most recent XXX month period, not exceeding more than XXX days old prior to the Note date, XX/XX/XXXX. A P&L statement for the most recent XXX month period, XX/XX/XXXX, is required. Additional conditions may apply. | This condition does not make sense. you want XX/XX/XXXX? for one day? Loan application was XX/XX/XXXX- I think this is an overreach. | 11/17/2025 | Documentation is sufficient. P & L in file is acceptable. Exception rescinded.; Income and Employment Meet Guidelines | 11/18/2025 | A |
| 6660507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.89% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.89% is less than Guideline CLTV of 75%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.89% is less than Guideline LTV of 75%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.89% is less than Guideline CLTV of 75%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660580 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | A |
| 6660580 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | A |
| 6660580 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | A |
| 6660549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.48% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.48% is less than Guideline CLTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.48% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.48% is less than Guideline CLTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660620 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.48% is less than Guideline LTV of 70%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.48% is less than Guideline CLTV of 70%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final application, (1003) reflects subject is a Mixed-Use Property. | Document Uploaded. | 11/17/2025 | Documentation is sufficient. Updated 1003 provided. Exception resolved.; The Final 1003 is Present | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Mortgagee clause is incorrect as it reflects XXX. Correct mortgagee clause is: XXX, It's Successors and/or Assigns, XXX. Loan number is correct on it. | Document Uploaded. | 11/17/2025 | Documentation is sufficient. Updated policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A 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. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660487 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660512 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660619 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/12/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A 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. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE1157 | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy Missing updated Hazard Insurance Policy Declarations page from XXX with current dwelling coverage for the subject. | Document Uploaded. | 11/24/2025 | Documentation is sufficient. Policy provided. Exception resolved.; Hazard Insurance Policy is fully present | 11/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660621 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| 6660514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.93% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.93% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.93% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.93% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.93% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.93% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE1481 | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset Record 3 Does Not Meet G/L Requirements Missing signed copy of seller's settlement statement verifying sales proceeds of $XXX from borrower's former residence (XXX). | Document Uploaded. | 11/19/2025 | Documentation is sufficient. Signed Settlement Statement provided. Exception resolved.; Asset Record 3 Meets G/L Requirements Or Not Applicable | 11/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.89% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.89% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.89% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.89% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.89% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.89% is less than Guideline CLTV of 90%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Provide documentation to show the borrower received the revised LE at least XXX days prior to consummation | Document Uploaded. | 11/18/2025 | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, 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 escrow established, appraisal requirement met |  |  | Informational | 11/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. HPML escrow established, appraisal requirement met |  |  | Informational | 11/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The CD signed at consummation is missing pages XXX | Document Uploaded. | 11/18/2025 | TRID: Final Closing Disclosure Provided | 11/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. HPML escrow established, appraisal requirement met |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.49% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.49% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.49% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.49% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660617 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 44.49% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 44.49% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6660528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6660528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6660544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required. Refund in the amount of $XXX, cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the removal of the Lender Credits: - The Lender Credit of $XXX was removed from the initial CD dated XX/XX/XXXX.<br>The file contains a COC dated XX/XX/XXXX, which reflected a Redisclosure Reason as "Other" and Lender Credit changed from $XXX to $XXX. The COC does not provide a clear reason for the removal of the lender credit. | Document Uploaded. Full disclosure track lists revisions by consumer and interest rate dependent charges. | 11/18/2025 | Valid COC provided in file for rate lock extension; Exception resolved; Valid COC provided in file for rate lock extension; Exception resolved | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A 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. |  |  | Informational | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational ; Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational ; Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660594 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660618 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660623 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Purchase contract is not signed by the borrower on pg XXX, and it's missing an addendum for the $XXX seller credit. | Document Uploaded. ; Document Uploaded. | 11/26/2025 | Documentation is sufficient. Addendum provided. Exception resolved. ; Purchase Contract Doc is complete.; Need the Addendum for the $XXX Seller credit. Exception remains. | 12/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. Missing loan documentation for credit inquiry with XXX on XX/XX/XXXX. One LOE in file states he was looking for a lower rate for a XXX, and another states it was for a credit card and his finance has since removed him from the credit card but there isn't any documentation in file to support that he was removed from the liability that was taken out with XXX. There is a payment to XXX on XX/XX/XXXX in the amount of $XXX withdrawn from the borrowers XXX #XXX bank account. | Document Uploaded. | 11/25/2025 | Documentation is sufficient. Credit Supplement provided. Exception resolved.; Tradelines meet Guideline Requirements | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE9780 | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing An executed Borrower Certification of Business Purpose is missing from the loan file. | Document Uploaded. | 11/18/2025 | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6660558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6660558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 6660553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE1479 | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. Missing bank statement transaction history for XXX account #XXX, as the balance being utilized is dated XX/XX/XXXX, but transaction history ends XX/XX/XXXX and the balance on XX/XX/XXXX was $XXX. The transaction history is required to verify any large deposits or if any loans were obtained. | Document Uploaded. | 11/25/2025 | Documentation is sufficient. Bank Statement provided. Exception resolved.; Asset Record 1 Meets G/L Requirements | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE1183 | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The 1008 Transmittal summary in file has the incorrect property listed as the borrower's primary residence. The final 1003 reflects the borrower's primary residence is XXX with a PITIA of $XXX/m but 1008 reflects the primary as XXX with a PITIA of $XXX/m. | Document Uploaded. | 11/20/2025 | Documentation is sufficient. 1008 and Approval provided. Exception resolved.; Approval/Underwriting Summary is fully present | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of the monthly property taxes for other REO XXX | Document Uploaded. | 11/19/2025 | Documentation is sufficient. Statement provided. Exception resolved. | 11/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660608 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660624 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660622 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660622 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660622 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6660536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6660536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6660616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.05% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.05% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.05% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.05% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660616 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.05% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.05% is less than Guideline CLTV of 85%<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | finding-2962 | Compliance | XXX AB 260 Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, 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. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> Borrower has stable job time - Borrower has XXX years on job. A |
| 6660539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML compliant, downgraded to A 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. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. An updated final Lender Loan Approval and a 1008 Transmittal Summary required with the correct LTV and property value. The final loan approval and 1008 reflect a property value of $XXX and calculated LTV of 66.087, but the the appraisal and desk review in the loan file reflect the property value as $XXX, which is a calculated LTV of 69.72%. | Document Uploaded. | 11/19/2025 | Documentation is sufficient. Loan Approval and 1008 provided. Exception resolved.; Approval/Underwriting Summary is fully present | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6660626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6660626 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX B A |
| 6660628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660628 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing supporting documentation to verify a $XXX monthly HOA fee for other REO at XXX per Final 1003. | Document Uploaded. | 11/24/2025 | Documentation is sufficient. Updated PITI information provided. Exception resolved. | 11/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | finding-2502 | Compliance | CT Nonprime Home Loan Test | This loan failed the XXX nonprime home loan test.The loan is a nonprime home loan, as defined in the legislation. For more information please see the XXX Nonprime Home Loan Article section of the full ComplianceAnalyzer report.While the XXX Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 6660627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 6660627 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% A |
| 6660559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Missing the lender's Bank Statement income calculation worksheet reflecting $XXX for Borrower 1. The loan file contains XXX income worksheets with a total income of $XXX, which does not match the the Lender final Approval in the loan file as it reflects the borrower receives $XXX per month in XXX Income. Subject to DTI re-calculation. | Document Uploaded. | 11/19/2025 | ; Documentation is sufficient. Loan is full doc, not Bank Statement. Exception resolved. | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6660546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6660546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. A |
| 6660566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. HPML with established escrows and appraisal requirements met. Exception downgraded. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660636 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660630 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing supporting documentation to verify monthly property tax amount of $XXX used by lender to calculate DTI. Tax document in file reflects $XXX monthly ($XXX) for subject property.<br>| XXX Property -$XXX sales price x XXX% = $XXX + $XXX direct = $XXX / XXX = $XXX | 11/20/2025 | Documentation is sufficient. Tax calculation provided. Exception resolved. | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Loan file is missing verification of the subject property taxes in the amount of $XXX/mo. | XXX property -$XXX purch price x XXX% = $XXX + $XXX direct = $XXX / XXX = $XXX | 11/20/2025 | ; Documentation is sufficient. Tax calculation provided. Exception resolved. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| 6660633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | Transaction meets BP guidelines. Transaction is a Purchase of an investment property. Transaction is exempt from TRID/QM.<br> The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660633 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6660568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6660568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% A |
| 6660560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Acknowledged | FCRE1199 | Credit | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited Loan Amount of $XXX is greater than the Guideline Maximum Loan Amount of $XXX The loan amount of $XXX exceeds the maximum loan amount allowed of $XXX. However, a Credit Exception was granted allowing the higher loan amount, citing compensating factors of excellent credit history/minimal use of consumer credit, excessive reserves, low DTI, and significant residual income. Acknowledged and downgraded. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Borrower has stable job time - Borrower has XXX years on job.<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80%<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $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). 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 the addition of the appraisal Fee #2 - Departing Residence. The file did contain a COC dated XX/XX/XXXX on page XXX, however, the COC did not mention any reason for an additional appraisal. | Document Uploaded. | 12/02/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.63% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 64.63% is less than Guideline LTV of 85% A |
| 6660535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.63% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 64.63% is less than Guideline LTV of 85% A |
| 6660535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.63% is less than Guideline CLTV of 85%<br> Original LTV is Below the Guideline Maximum - Calculated LTV of 64.63% is less than Guideline LTV of 85% A |
| 6660634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | Transaction meets BP guidelines. Transaction is a Purchase of an investment property. Transaction is exempt from TRID/QM.<br> The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 818 is greater than Guideline minimum FICO of 740 A |
| 6660634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 818 is greater than Guideline minimum FICO of 740 A |
| 6660634 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 818 is greater than Guideline minimum FICO of 740 A |
| 6660632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | Transaction meets BP guidelines. Transaction is a Purchase of an investment property. Transaction is exempt from TRID/QM.<br> The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660632 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing Missing final 1003 for Borrower 1 and Borrower 2. | Document Uploaded. | 11/20/2025 | Documentation is sufficient. Final 1003 provided. Exception resolved.; The Final 1003 is Present | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.63% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.63% is less than Guideline CLTV of 85%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.63% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.63% is less than Guideline CLTV of 85%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50.63% is less than Guideline LTV of 85%<br> Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.63% is less than Guideline CLTV of 85%<br> Borrower has stable job time - Borrower has XXX years on job.<br> Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 6660637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660637 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 75% A |
| 6660625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 75% A |
| 6660625 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 54.79% is less than Guideline LTV of 75%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.79% is less than Guideline CLTV of 75% A |
| 6660569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | finding-2838 | Compliance | XXX Higher-Priced Mortgage Loan Test | This loan failed the XXX higher-priced mortgage loan test. The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the XXX Higher-Priced Mortgage Loan Article section of the full ComplianceAnalyzer report.While the XXX Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure required. HPML with established escrows , proof of appraisal delivery in loan file. Exception downgraded to a A. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation 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. No Cure required. HPML with established escrows , proof of appraisal delivery in loan file. Exception downgraded to a A. |  |  | Informational | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XX% A |
| 6660631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660631 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| 6660635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/14/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/19/2025 | A |
| 6660635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/19/2025 | A |
| 6660635 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 11/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/19/2025 | A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | |
|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** |
| 6660494 | XXXXX | $XXXXXX A C |
| 6660496 | XXXXX | $XXXXXX C A |
| 6660495 | XXXXX | $XXXXXX C A B |
| 6660485 | XXXXX | $XXXXXX A |
| 6660574 | XXXXX | $XXXXXX A |
| 6660577 | XXXXX | $XXXXXX A |
| 6660501 | XXXXX | $XXXXXX A |
| 6660588 | XXXXX | $XXXXXX D A |
| 6660499 | XXXXX | $XXXXXX A |
| 6660515 | XXXXX | $XXXXXX A |
| 6660489 | XXXXX | $XXXXXX A |
| 6660592 | XXXXX | $XXXXXX A |
| 6660497 | XXXXX | $XXXXXX A |
| 6660516 | XXXXX | $XXXXXX A |
| 6660571 | XXXXX | $XXXXXX C A |
| 6660498 | XXXXX | $XXXXXX C A |
| 6660524 | XXXXX | $XXXXXX C A |
| 6660593 | XXXXX | $XXXXXX A |
| 6660508 | XXXXX | $XXXXXX C A |
| 6660573 | XXXXX | $XXXXXX A |
| 6660521 | XXXXX | $XXXXXX A |
| 6660517 | XXXXX | $XXXXXX D A |
| 6660586 | XXXXX | $XXXXXX D A |
| 6660583 | XXXXX | $XXXXXX A |
| 6660590 | XXXXX | $XXXXXX A |
| 6660510 | XXXXX | $XXXXXX D A |
| 6660576 | XXXXX | $XXXXXX A |
| 6660575 | XXXXX | $XXXXXX D A |
| 6660513 | XXXXX | $XXXXXX A |
| 6660519 | XXXXX | $XXXXXX A |
| 6660518 | XXXXX | $XXXXXX A |
| 6660502 | XXXXX | $XXXXXX D A |
| 6660500 | XXXXX | $XXXXXX A |
| 6660579 | XXXXX | $XXXXXX A |
| 6660582 | XXXXX | $XXXXXX A |
| 6660520 | XXXXX | $XXXXXX D A |
| 6660572 | XXXXX | $XXXXXX A |
| 6660522 | XXXXX | $XXXXXX A |
| 6660591 | XXXXX | $XXXXXX A |
| 6660585 | XXXXX | $XXXXXX A |
| 6660595 | XXXXX | $XXXXXX A |
| 6660611 | XXXXX | $XXXXXX A |
| 6660527 | XXXXX | $XXXXXX D A |
| 6660532 | XXXXX | $XXXXXX C A B |
| 6660578 | XXXXX | $XXXXXX A |
| 6660584 | XXXXX | $XXXXXX A |
| 6660615 | XXXXX | $XXXXXX A |
| 6660612 | XXXXX | $XXXXXX A |
| 6660596 | XXXXX | $XXXXXX A |
| 6660604 | XXXXX | $XXXXXX A |
| 6660484 | XXXXX | $XXXXXX A |
| 6660602 | XXXXX | $XXXXXX A |
| 6660598 | XXXXX | $XXXXXX A |
| 6660589 | XXXXX | $XXXXXX D A |
| 6660613 | XXXXX | $XXXXXX A |
| 6660638 | XXXXX | $XXXXXX A |
| 6660537 | XXXXX | $XXXXXX D A |
| 6660529 | XXXXX | $XXXXXX A |
| 6660605 | XXXXX | $XXXXXX A |
| 6660603 | XXXXX | $XXXXXX A |
| 6660609 | XXXXX | $XXXXXX A |
| 6660599 | XXXXX | $XXXXXX A |
| 6660493 | XXXXX | $XXXXXX A |
| 6660533 | XXXXX | $XXXXXX A |
| 6660526 | XXXXX | $XXXXXX D A |
| 6660486 | XXXXX | $XXXXXX A |
| 6660538 | XXXXX | $XXXXXX C A B |
| 6660491 | XXXXX | $XXXXXX A |
| 6660534 | XXXXX | $XXXXXX A |
| 6660600 | XXXXX | $XXXXXX A |
| 6660531 | XXXXX | $XXXXXX A |
| 6660610 | XXXXX | $XXXXXX A |
| 6660587 | XXXXX | $XXXXXX A |
| 6660581 | XXXXX | $XXXXXX D A |
| 6660504 | XXXXX | $XXXXXX A |
| 6660492 | XXXXX | $XXXXXX A |
| 6660614 | XXXXX | $XXXXXX A |
| 6660525 | XXXXX | $XXXXXX A |
| 6660597 | XXXXX | $XXXXXX A |
| 6660523 | XXXXX | $XXXXXX A |
| 6660607 | XXXXX | $XXXXXX A |
| 6660601 | XXXXX | $XXXXXX A |
| 6660606 | XXXXX | $XXXXXX A C |
| 6660505 | XXXXX | $XXXXXX A |
| 6660506 | XXXXX | $XXXXXX D A |
| 6660503 | XXXXX | $XXXXXX A |
| 6660507 | XXXXX | $XXXXXX A |
| 6660580 | XXXXX | $XXXXXX A |
| 6660549 | XXXXX | $XXXXXX A |
| 6660620 | XXXXX | $XXXXXX A |
| 6660509 | XXXXX | $XXXXXX A |
| 6660487 | XXXXX | $XXXXXX D A |
| 6660512 | XXXXX | $XXXXXX A |
| 6660619 | XXXXX | $XXXXXX A |
| 6660543 | XXXXX | $XXXXXX A |
| 6660621 | XXXXX | $XXXXXX D A |
| 6660514 | XXXXX | $XXXXXX A |
| 6660541 | XXXXX | $XXXXXX C A |
| 6660551 | XXXXX | $XXXXXX A C |
| 6660540 | XXXXX | $XXXXXX A D |
| 6660488 | XXXXX | $XXXXXX A |
| 6660511 | XXXXX | $XXXXXX A |
| 6660617 | XXXXX | $XXXXXX A |
| 6660528 | XXXXX | $XXXXXX A |
| 6660544 | XXXXX | $XXXXXX A |
| 6660542 | XXXXX | $XXXXXX A |
| 6660490 | XXXXX | $XXXXXX A C |
| 6660594 | XXXXX | $XXXXXX A |
| 6660555 | XXXXX | $XXXXXX A |
| 6660618 | XXXXX | $XXXXXX A |
| 6660623 | XXXXX | $XXXXXX A |
| 6660554 | XXXXX | $XXXXXX C A |
| 6660558 | XXXXX | $XXXXXX D A |
| 6660553 | XXXXX | $XXXXXX A |
| 6660556 | XXXXX | $XXXXXX A |
| 6660548 | XXXXX | $XXXXXX D A |
| 6660545 | XXXXX | $XXXXXX A |
| 6660608 | XXXXX | $XXXXXX A |
| 6660624 | XXXXX | $XXXXXX A |
| 6660622 | XXXXX | $XXXXXX A |
| 6660536 | XXXXX | $XXXXXX A |
| 6660616 | XXXXX | $XXXXXX A |
| 6660550 | XXXXX | $XXXXXX A |
| 6660539 | XXXXX | $XXXXXX A |
| 6660565 | XXXXX | $XXXXXX A |
| 6660626 | XXXXX | $XXXXXX B A |
| 6660628 | XXXXX | $XXXXXX A |
| 6660552 | XXXXX | $XXXXXX D A |
| 6660557 | XXXXX | $XXXXXX A |
| 6660563 | XXXXX | $XXXXXX A |
| 6660561 | XXXXX | $XXXXXX A |
| 6660627 | XXXXX | $XXXXXX A |
| 6660559 | XXXXX | $XXXXXX D A |
| 6660546 | XXXXX | $XXXXXX A |
| 6660566 | XXXXX | $XXXXXX A |
| 6660530 | XXXXX | $XXXXXX A |
| 6660570 | XXXXX | $XXXXXX A |
| 6660636 | XXXXX | $XXXXXX A |
| 6660630 | XXXXX | $XXXXXX A |
| 6660564 | XXXXX | $XXXXXX D A |
| 6660562 | XXXXX | $XXXXXX D A |
| 6660633 | XXXXX | $XXXXXX A |
| 6660547 | XXXXX | $XXXXXX A |
| 6660568 | XXXXX | $XXXXXX A |
| 6660560 | XXXXX | $XXXXXX B A |
| 6660535 | XXXXX | $XXXXXX A C B |
| 6660634 | XXXXX | $XXXXXX A |
| 6660632 | XXXXX | $XXXXXX A |
| 6660567 | XXXXX | $XXXXXX D A |
| 6660637 | XXXXX | $XXXXXX A |
| 6660625 | XXXXX | $XXXXXX A |
| 6660569 | XXXXX | $XXXXXX A |
| 6660631 | XXXXX | $XXXXXX A |
| 6660635 | XXXXX | $XXXXXX A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **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)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** | **Step payment Flag** | **Step Payment Term** |
| 6660494 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Curative | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 53 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660496 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660495 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660485 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 50.00 |  | Audited | 12 | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660574 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660577 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660501 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660588 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660499 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660515 | XXXXX |  | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 113 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660489 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660592 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660497 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 99 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660516 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 99 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660571 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660498 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 81 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660524 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 17.00 |  |  |  | Yes | Yes | 104 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660593 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660508 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660573 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660521 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660517 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 93 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660586 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660583 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660590 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660510 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660576 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660575 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX |  | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660513 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 97 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660519 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 60.00 |  |  |  | Yes | Yes | 90 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660518 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 26 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 48 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660502 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660500 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 275 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660579 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660582 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | Yes | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660520 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 31 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660572 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660522 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660591 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660585 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660595 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660611 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660527 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660532 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 90.00 |  |  |  | Yes | Yes | 79 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660578 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660584 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660615 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660612 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660596 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660604 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660484 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 29 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660602 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660598 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660589 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660613 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660638 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660537 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 55.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660529 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660605 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660603 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660609 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660599 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660493 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 12 | Yes | 46 | 0 | 1 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660533 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 140 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660526 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 52 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660486 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660538 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 82 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660491 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660534 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 42 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660600 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660531 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660610 | XXXXX |  | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660587 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660581 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No |  |  |  |
| 6660504 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660492 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 38 | No |  | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX |  | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660614 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX |  | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660525 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 85.00 |  |  |  | Yes | Yes | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660597 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660523 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660607 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660601 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660606 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660505 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660506 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 69 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660503 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660507 | XXXXX |  | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 50.00 |  | Audited | 12 | Yes | No | 84 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660580 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660549 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660620 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660509 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660487 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 17 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660512 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660619 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660543 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660621 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660514 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 92 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660541 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660551 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 144 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660540 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660488 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660511 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 46 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660617 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660528 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660544 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 37 | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660542 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660490 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660594 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660555 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 50.00 |  |  |  | Yes | Yes | 168 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660618 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660623 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660554 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 50.00 |  |  |  | Yes | No | 22 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660558 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 141 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660553 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 363 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660556 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 24 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 69 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 |  | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660548 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | Yes | Yes | 108 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660545 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660608 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660624 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660622 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660536 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Borrower Prepared | 12 | Yes | No | 198 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660616 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | Yes | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660550 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660539 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660565 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | Yes |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660626 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660628 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660552 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 94 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | Yes | XXX |  | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660557 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660563 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660561 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 45.00 |  |  |  | Yes | Yes | 72 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660627 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660559 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | Yes | 12 | Personal | 100.00 |  |  |  |  |  |  |  | No | No | 0 | Yes | 1 | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660546 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 121 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660566 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660530 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | Yes |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660570 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | Yes | 104 | 0 | 1 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  | 0 | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660636 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660630 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660564 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 25 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660562 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660633 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660547 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660568 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | 100.00 |  | Audited | 12 | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660560 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | 100.00 |  |  |  | Yes | No | 122 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX | Yes | 120 |
| 6660535 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | XXX | No | XXX |  |  |
| 6660634 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | Yes | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660632 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660567 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business and Personal | 100.00 |  |  |  | 100.00 | 30.00 |  |  | Yes | Yes | 258 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660637 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660625 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | No |  | No | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660569 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | 100.00 |  |  |  | No | Yes | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | No |  |  | No |  | XXX | XXX |  | XXX | XXX | 0 | 0 |  |  | No | XXX |  |  |
| 6660631 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |
| 6660635 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  | XXX | XXX | XXX | XXX |  | Yes | XXX | No | No | XXX | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **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** |
| 6660494 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.6 | 66.6 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0008 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0008 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 6660496 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660495 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660485 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 6660574 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 23.08 | 23.08 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660577 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.69 | 46.69 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 6660501 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.99 | 68.99 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 6660588 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660499 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660515 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 6660489 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.07 | 74.07 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 6660592 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6660497 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660516 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660571 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660498 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6660524 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660593 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6660508 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6660573 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 6660521 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6660517 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0351 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0351 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 6660586 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 6660583 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.9 |  |
| 6660590 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 6660510 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660576 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.6 | 38.6 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660575 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660513 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 6660519 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 6660518 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660502 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660500 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.98 | 64.98 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0086 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0086 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 6660579 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 6660582 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.92 | 66.92 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 6660520 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 6660572 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6660522 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660591 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 6660585 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0217 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0217 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660595 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.86 | 70.86 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660611 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.1 | 53.1 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 6660527 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6660532 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 6660578 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.07 | 74.07 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660584 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.29 | 54.29 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 6660615 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.51 | 76.51 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 6660612 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660596 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91 | 79.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660604 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660484 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 6660602 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660598 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.95 | 66.95 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660589 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 74.0 | 74.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660613 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660638 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660537 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 6660529 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660605 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660603 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660609 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.82 | 74.82 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660599 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660493 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 6660533 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0282 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0282 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660526 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660486 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.03 | 56.03 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 6660538 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660491 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| 6660534 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660600 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660531 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0074 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0074 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660610 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 6660587 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.92 | 79.92 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 6660581 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.75 | 68.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660504 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660492 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660614 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.82 | 68.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660525 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 6660597 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660523 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660607 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660601 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6660606 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660505 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.52 | 71.52 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0727 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX | $XXX | 7.27% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 6660506 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.0 | 73.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 6660503 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.3 | 41.3 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 6660507 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 59.89 | 59.89 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660580 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660549 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.0 | 79.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6660620 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.48 | 57.48 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660509 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 6660487 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.75 | 71.75 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660512 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 84.19 | 84.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 6660619 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0303 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0303 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660543 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660621 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660514 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.93 | 69.93 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660541 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.89 | 50.89 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660551 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 6660540 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660488 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6660511 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660617 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.49 | 44.49 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 6660528 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660544 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660542 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6660490 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660594 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6660555 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660618 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660623 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 6660554 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 6660558 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.82 | 79.82 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660553 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660556 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660548 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 6660545 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660608 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.47 | 64.47 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660624 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660622 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660536 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660616 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.05 | 48.05 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 6660550 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6660539 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660565 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 6660626 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 69.72 | 69.72 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660628 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.59 | 73.59 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660552 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660557 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660563 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6660561 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660627 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 6660559 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6660546 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660566 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 89.99 | 89.99 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 6660530 | XXXXX | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.82 | 74.82 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660570 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6660636 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.0 | 72.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 6660630 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 6660564 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660562 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660633 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660547 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0206 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 2.06% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 6660568 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660560 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660535 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 64.63 | 64.63 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660634 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 6660632 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.78 | 77.78 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 6660567 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.63 | 50.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660637 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 6660625 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.79 | 54.79 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 6660569 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 6660631 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 79.17 | 79.17 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 6660635 | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_001.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 255 loans (the "Loans") and these loans were subsequently acquired by Sutton Funding LLC the "Client") for the BARC 2026-NQM3 transaction. The loans referenced in this narrative report were reviewed 10/2025 through 01/2026 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** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Retail | 23 | 9.02% | $10268342.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | 4 | 1.57% | $3411158.00 |
| &nbsp;&nbsp;Wholesale | 228 | 89.41% | $159452286.00 |
| &nbsp;&nbsp;**Total** | **255** | **100.00%** | **$173131786.00** |

---

The Review consisted of a population of 255 loans, with an aggregate principal balance of $173,131,786.00.

**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.

---

| | |
|:---|:---|
| &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; Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating U.S. RMBS Using the MILAN Framework dated July 18, 2024 |

---

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

![](ex99-3_001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |

---

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---

| |
|:---|
| &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 State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

☐ Assets and Reserves

☐ Gross Income

☐ Lien Position

☐ Loan Purpose

☐ Housing History

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

☐ Monthly Debt

☐ Occupancy

☐ Property Type

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

☐ Debt to Income Ratio (DTI)

☐ Residual Income

☐ Debt Service Coverage Ratio (DSCR)

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

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

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

☐ Borrower(s) employment history

☐ Citizenship and eligibility

☐ First time home buyer status

☐ The application was signed by all borrowers

☐ The application was substantially complete

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

Clarifii verified the following items:

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

☐ Bankruptcy and foreclosure seasoning

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

☐ Installment and revolving payment history

☐ Mortgage/Rental payment history

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

☐ Number of tradelines

☐ Credit Score(s) and Qualifying Score Methodology

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

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

☐ Tax returns

☐ Financial statements

☐ Paystubs

☐ IRS Form W-2s

☐ IRS Form 1099

☐ IRS documents

☐ Bank statements

☐ Lease agreements

☐ Award letters

☐ Other documentation in loan file

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

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

☐ Borrower identity

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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;&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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan officer

☐ OFAC

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

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

☐ Verification of deposits (VOD)

☐ Depository account statements

☐ Stock or security account statements

☐ Gift funds

☐ Settlements statements

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

☐ Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

☐ Calculated DSCR, as required by guidelines

☐ Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Note** 

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

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

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

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

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

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

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

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

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

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

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

☐ Initial and final application (1003)

☐ Note, including all addendums

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

☐ Mortgage / Deed of Trust, including all riders

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

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

☐ Notice of Right to Cancel (when applicable)

☐ Rate Lock Date

☐ HOEPA Disclosures (when applicable)

☐ Initial Escrow Account Disclosure

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Compliance Testing of Truth-in-Lending Act (TILA)/Regulation Z Elements** Clarifii reverified and retested, when applicable, the following TILA and Regulation Z elements:

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

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

☐ **Right of Rescission**

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

☐ **Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

☐ **Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

☐ 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.

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

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

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

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

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

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

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

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

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

☐ Non-Owner Occupied Declaration Disclosure

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

☐ Review Note accuracy and properly executed

☐ Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

☐ Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

☐ Letter of Explanation detailing the use of proceeds.

☐ Borrower's statement of purpose for the loan.

☐ State License requirements when applicable

☐ State Predatory lending and high cost when applicable

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** 

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

&nbsp;&nbsp;&nbsp;&nbsp;· **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:**

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

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

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

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

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

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

![](ex99-3_001.jpg)

**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** | **# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance<br> to OA or Confidence < <br> 80%** | &nbsp;&nbsp;**Number of Files within - <br> 10% of OA or Acceptable <br> UCDP Risk Score** |
| &nbsp;&nbsp;AVM | 0 | 0 | 11 |
| &nbsp;&nbsp;BPO | 0 | 0 | 4 |
| &nbsp;&nbsp;CU Score <=2.5 | 0 | 0 | 158 |
| &nbsp;&nbsp;Desk Review | 0 | 0 | 71 |
| &nbsp;&nbsp;Second Full Appraisal | 0 | 0 | 11 |

---

**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** | &nbsp;&nbsp;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** | &nbsp;&nbsp;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. |

---

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

![](ex99-3_001.jpg)

**Valuation Event Grade**

---

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

---

**Compliance Event Grade**

---

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

---

**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**

---

| | | |
|:---|:---|:---|
| **Final Overall Review Results** | **Final Overall Review Results** | **Final Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 223 | 87.45% |
| B | 32 | 12.55% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **255** | **100.00%** |

---

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

![](ex99-3_001.jpg)

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 231 | 90.59% |
| B | 24 | 9.41% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **255** | **100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 255 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **255** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 246 | 96.47% |
| B | 9 | 3.53% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **255** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;ARM | 1 | 0.39% | $686550.00 |
| &nbsp;&nbsp;Fixed | 254 | 99.61% | $172445236.00 |
| &nbsp;&nbsp;**Total** | **255** | **100.00%** | **$173131786.00** |

---

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

![](ex99-3_001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Primary Residence | 133 | 52.16% | $107479364.00 |
| &nbsp;&nbsp;Second Home | 6 | 2.35% | $4987685.00 |
| &nbsp;&nbsp;Investment | 116 | 45.49% | $60664737.00 |
| &nbsp;&nbsp;**Total** | **255** | **100.00%** | **$173131786.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;Refinance | 93 | 36.47% | $60193498.00 |
| &nbsp;&nbsp;Purchase | 162 | 63.53% | $112938288.00 |
| &nbsp;&nbsp;**Total** | **255** | **100.00%** | **$173131786.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | **Loan Count** | **% of Pool** | **Original Balance** |
| 1 | 255 | 100.00% | $173131786.00 |
| &nbsp;&nbsp;**Total** | **255** | **100.00%** | **$173131786.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | **Loan Count** | **% of Pool** | **Original Balance** |
| &nbsp;&nbsp;480 | 3 | 1.18% | $5105000.00 |
| &nbsp;&nbsp;360 | 252 | 98.82% | $168026786.00 |
| &nbsp;&nbsp;**Total** | **255** | **100.00%** | **$173131786.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | **Loans With <br> Discrepancy** | **Total Times <br> Compared** | **Accuracy%** |
| &nbsp;&nbsp;Amortization Term | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Application Date | 48 | 255 | 81.18% |
| &nbsp;&nbsp;Balloon Flag | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | 4 | 255 | 98.43% |

---

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

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 First Name | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | 2 | 255 | 99.22% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | 1 | 255 | 99.61% |
| &nbsp;&nbsp;Borrower 1 Phone Number | 0 | 246 | 100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | 0 | 20 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | 0 | 20 | 100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | 1 | 20 | 95.00% |
| &nbsp;&nbsp;Borrower 2 SSN | 0 | 20 | 100.00% |
| &nbsp;&nbsp;Calculated DSCR | 6 | 255 | 97.65% |
| &nbsp;&nbsp;Cash Disbursement Date | 75 | 255 | 70.59% |
| &nbsp;&nbsp;First Payment Date | 1 | 255 | 99.61% |
| &nbsp;&nbsp;HOA Flag | 4 | 255 | 98.43% |
| &nbsp;&nbsp;Index | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Interest Only Flag | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Interest Only Term | 0 | 23 | 100.00% |
| &nbsp;&nbsp;Interest Rate | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Investor Loan ID | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | 14 | 31 | 54.84% |
| &nbsp;&nbsp;Lien Position | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Loan ID | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Loan Purpose | 1 | 255 | 99.61% |
| &nbsp;&nbsp;Margin | 0 | 1 | 100.00% |
| &nbsp;&nbsp;Maturity Date | 1 | 255 | 99.61% |
| &nbsp;&nbsp;MIN No | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Note Date | 181 | 254 | 28.74% |
| &nbsp;&nbsp;Number of Units | 1 | 255 | 99.61% |
| &nbsp;&nbsp;Occupancy | 3 | 255 | 98.82% |
| &nbsp;&nbsp;Prepayment Penalty Flag | 1 | 98 | 98.98% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | 3 | 255 | 98.82% |
| &nbsp;&nbsp;Primary Appraised Property Value | 5 | 255 | 98.04% |
| &nbsp;&nbsp;Property Address | 2 | 255 | 99.22% |
| &nbsp;&nbsp;Property City | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Property County | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Property State | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Property Type | 28 | 255 | 89.02% |
| &nbsp;&nbsp;Property Zip Code | 0 | 255 | 100.00% |
| &nbsp;&nbsp;Qualifying CLTV | 1 | 255 | 99.61% |
| &nbsp;&nbsp;Qualifying FICO | 1 | 246 | 99.59% |
| &nbsp;&nbsp;Qualifying LTV | 1 | 255 | 99.61% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | 17 | 255 | 93.33% |

---

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

![](ex99-3_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Sales Price | 0 | 217 | 100.00% |
| &nbsp;&nbsp;Seller Loan ID | 0 | 255 | 100.00% |
| &nbsp;&nbsp;ULI | 17 | 238 | 92.86% |
| &nbsp;&nbsp;Vested Business Entity Name | 0 | 8 | 100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 835541 | 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 | 31560.63 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 835590 | 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 | 9175 | 8.103 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4648.19 | N/A | Employed |  | No |  | No |  |
| XXXX | 836876 | 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 | 837044 | 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 | 837116 | 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 | 16917 | 7.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15649.04 | N/A | Employed |  | No |  | No |  |
| XXXX | 837118 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 50293 | 7.748 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 72340.68 | Yes | Employed |  | No |  | No |  |
| XXXX | 837507 | 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 | 32615 | 9.164 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48036.9 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 838034 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 23750 | 9.289 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 10968.59 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 838744 | 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 | 12818.75 | 7.248 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5823.34 | Yes | Employed |  | No |  | No |  |
| XXXX | 838752 | 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 | 11029.98 | 7.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7189.93 | Yes | Employed |  | No |  | No |  |
| XXXX | 838923 | 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 | 20355.13 | 8.351 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34093.22 | Yes | Employed |  | No |  | No |  |
| XXXX | 839533 | 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 | 840743 | 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 | 71951.81 | 9.769 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 176139.32 | Yes | Employed |  | No |  | No |  |
| XXXX | 840760 | 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 | 40530.12 | 9.61 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20280.32 | Yes | Employed |  | No |  | No |  |
| XXXX | 841124 | 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 | 842225 | 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 | 18275 | 8.381 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13751.61 | Yes | Employed |  | No |  | No |  |
| XXXX | 842516 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A | 9919.72 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 842547 | 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 | 12918.2 | 7.331 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11271.26 | N/A | Employed |  | No |  | No |  |
| XXXX | 843379 | 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 | 843484 | 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 | 10175 | 7.502 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8479.25 | Yes | Employed |  | No |  | No |  |
| XXXX | 844412 | 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 | 19265 | 7.047 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36309.56 | Yes | Employed |  | No |  | No |  |
| XXXX | 846629 | 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 | 5565 | 7.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26050.24 | Yes | Employed |  | No |  | No |  |
| XXXX | 846651 | 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 | 37445.01 | 9.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20327.23 | Yes | Employed |  | No |  | No |  |
| XXXX | 846671 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | 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 | 7396.26 | N/A | Employed | Retired | No | No | Yes | Present |
| XXXX | 846710 | 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 | 19475 | 6.635 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39381.86 | Yes | Not Employed | Not Employed | No | No | No |  |
| XXXX | 847006 | 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 | 847351 | 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 | 8275 | 7.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11209.64 | Yes | Employed |  | No |  | No |  |
| XXXX | 847361 | 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 | Yes | Present |
| XXXX | 847523 | 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 | 54556.03 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 847533 | 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 | 27374 | 7.369 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20502.24 | N/A | Employed |  | No |  | No |  |
| XXXX | 847588 | 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 | 847603 | 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 | 847608 | 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 | 42646.88 | 9.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14461.73 | Yes | Employed |  | No |  | No |  |
| XXXX | 849865 | 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 | Yes | N/A | Yes | N/A | N/A | 217100.74 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 849882 | 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 | Yes | N/A | N/A | N/A | N/A | 217100.74 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 849892 | 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 | 850216 | 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 | 850460 | 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 | 851072 | 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 | 851860 | 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 | 14637.5 | 9.241 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 8278.64 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 851897 | 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 | 18068.75 | 7.096 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24966.77 | Yes | Employed |  | No |  | No |  |
| XXXX | 851899 | 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 | 30350 | 8.208 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 170282.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 851901 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 23475 | 6.257 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 12832.08 | Yes | Employed |  | No |  | No |  |
| XXXX | 851931 | 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 | 13572.8 | 7.5 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18043.77 | Yes | Employed |  | No |  | No |  |
| XXXX | 852339 | 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 | 8768.75 | 6.855 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80204.28 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 853757 | 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 | 3708.5 | 7.259 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3406.32 | Yes | Employed |  | No |  | No |  |
| XXXX | 853764 | 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 | 853798 | 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 | 13574.78 | 7.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10262.43 | Yes | Employed |  | No |  | No |  |
| XXXX | 853812 | 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 | 5500.26 | 7.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7819.75 | Yes | Employed |  | No |  | No |  |
| XXXX | 853833 | 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 | 14705 | 8.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52509.9 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 853840 | 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 | 38703.43 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 853849 | 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 | Yes | Present |
| XXXX | 853852 | 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 | 9630.2 | 7.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6876.36 | Yes | Employed |  | No |  | No |  |
| XXXX | 853905 | 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 | 30549.02 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 853907 | 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 | 6.392 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 28841.3 | Yes | Employed |  | No |  | No |  |
| XXXX | 855153 | 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 | Yes | No | No | No | No | No | No | No | Yes | 35146 | 8.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7978.2 | Yes | Employed |  | No |  | No |  |
| XXXX | 855218 | 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 | 855228 | 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 | 14905 | 6.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9047.12 | Yes | Employed |  | No |  | No |  |
| XXXX | 855233 | 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 | 38187 | 6.91 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33673.68 | Yes | Not Employed |  | No |  | No |  |
| XXXX | 855242 | 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 | Yes | N/A | N/A | Yes | Yes | 228171.71 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 855244 | 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 | 11566.2 | 7.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6489.45 | Yes | Employed |  | No |  | No |  |
| XXXX | 855245 | 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 | 6.828 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30645.43 | Yes | Employed |  | No |  | No |  |
| XXXX | 855253 | 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 | 16475 | 6.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11222.38 | Yes | Employed |  | No |  | No |  |
| XXXX | 855255 | 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 | 4164.04 | 10.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1519.85 | N/A | Employed |  | No |  | No |  |
| XXXX | 855766 | 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 | 9725 | 7.786 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11540.79 | Yes | Employed |  | No |  | No |  |
| XXXX | 856263 | 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 | 4826.56 | 6.622 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34871.42 | Yes | Employed |  | No |  | No |  |
| XXXX | 856393 | 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 | 856437 | 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 | 26950.8 | 7.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51851.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 856644 | 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 | 52059.88 | 9.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41627.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 856961 | 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 | 12467 | 7.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17451.25 | Yes | Employed |  | No |  | No |  |
| XXXX | 856964 | 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 | 2725 | 6.481 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 65880.76 | Yes | Employed |  | No |  | No |  |
| XXXX | 856965 | 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 | 16850.44 | 7.673 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10330.62 | Yes | Employed |  | No |  | No |  |
| XXXX | 857049 | 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 | 857050 | 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 | 18614 | 7.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17248.35 | Yes | Employed |  | No |  | No |  |
| XXXX | 857052 | 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 | 16515.58 | 9.713 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9192.88 | Yes | Employed |  | No |  | No |  |
| XXXX | 857059 | 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 | 48275 | 7.83 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25989.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 857061 | 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 | 17941 | 7.34 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 135037.58 | Yes | Employed |  | No |  | No |  |
| XXXX | 857065 | 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 | 20375 | 7.249 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27475.8 | Yes | Employed |  | No |  | No |  |
| XXXX | 857839 | 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 | 8238.95 | 6.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11048.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 858206 | 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 | 858256 | 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 | 29937.91 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 858417 | 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 | 858423 | 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 | 858433 | 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 | 512708.46 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 858441 | 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 | 67075 | 7.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33323.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 858442 | 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 | 858472 | 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 | 19025 | 8.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14050.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 858474 | 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 | 11352.5 | 6.575 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16052.13 | Yes | Employed |  | No |  | No |  |
| XXXX | 858475 | 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 | 10143.6 | 7.141 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9191.26 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 858507 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | No | No | No | No | No | No | No | No | No | 36537.5 | 7.834 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 107364.35 | N/A | Employed |  | No |  | No |  |
| XXXX | 858509 | 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 | No | Yes | Present |
| XXXX | 858519 | 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 | 8360 | 7.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 67391.92 | Yes | Employed |  | No |  | No |  |
| XXXX | 858520 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 23975 | 6.7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 180633.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 858527 | 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 | 270562.31 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 858528 | 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 | 61475 | 7.366 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48124.31 | N/A | Employed |  | No |  | No |  |
| XXXX | 858530 | 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 | 18923.75 | 8.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35868.7 | Yes | Employed |  | No |  | No |  |
| XXXX | 858532 | 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 | 6.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10046.39 | Yes | Employed |  | No |  | No |  |
| XXXX | 858541 | 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 | 858545 | 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 | 858549 | 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 | 19475 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 29438.55 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 858550 | 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 | 13375 | 6.771 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16758.36 | Yes | Not Employed | Employed | No | No | No |  |
| XXXX | 858595 | 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 | 184067.54 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 863781 | 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 | 18814.05 | 6.677 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16055.56 | N/A | Employed |  | No |  | No |  |
| XXXX | 863814 | 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 | 13502.84 | 6.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23315.13 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 864232 | 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 | 25235 | 7.566 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13684.79 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 864313 | 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 | 267104.69 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 864335 | 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 | 6675 | 7.883 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56363.06 | Yes | Employed |  | No |  | No |  |
| XXXX | 864434 | 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 | 864536 | 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 | 864610 | 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 | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 864619 | 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 | 8775 | 6.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11510.43 | Yes | Employed |  | No |  | No |  |
| XXXX | 864644 | 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 | 864651 | 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 | 10435 | 7.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4942.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 864653 | 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 | 11059 | 7.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8455.04 | N/A | Employed |  | No |  | No |  |
| XXXX | 864654 | 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 | 864657 | 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 | 10704.69 | 7.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4444.44 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 864696 | 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 | 864697 | 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 | 36170 | 6.684 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47007.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 864757 | 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 | 11728.25 | 8.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6711.27 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 864759 | 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 | 865384 | 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 | Yes | Present |
| XXXX | 865513 | 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 | 865737 | 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 | 30075 | 7.606 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20652.73 | Yes | Employed |  | No |  | No |  |
| XXXX | 865764 | 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 | 866118 | 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 | 11637.5 | 7.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23577.39 | Yes | Employed |  | No |  | No |  |
| XXXX | 866120 | 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 | 67373.64 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 866134 | 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 | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 866140 | 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 | 21870 | 6.421 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 132752.27 | Yes | Employed |  | No |  | No |  |
| XXXX | 866289 | 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 | 9075 | 7.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6544.29 | Yes | Employed |  | No |  | No |  |
| XXXX | 866374 | 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 | 39880.13 | 9.206 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27930.63 | Yes | Employed |  | No |  | No |  |
| XXXX | 866575 | 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 | 866577 | 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 | 7275 | 8.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14441.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 866578 | 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 | 78963.35 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 866579 | 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 | 11235 | 7.41 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11418.7 | Yes | Employed |  | No |  | No |  |
| XXXX | 866580 | 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 | 72832 | 7.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46766.85 | Yes | Employed |  | No |  | No |  |
| XXXX | 866860 | 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 | 23475 | 6.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29204.6 | Yes | Not Employed |  | No |  | No |  |
| XXXX | 866913 | 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 | 866936 | 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 | 866944 | 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 | 30329 | 7.536 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | No | Yes | N/A | 30801.01 | N/A | Employed |  | No |  | No |  |
| XXXX | 866973 | 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 | 13135 | 6.796 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5363.58 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 867019 | 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 | 25959.43 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 867800 | 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 | 32710 | 6.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22924.04 | Yes | Retired |  | No |  | No |  |
| XXXX | 867818 | 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 | 10195 | 7.269 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32078.4 | Yes | Employed |  | No |  | No |  |
| XXXX | 867867 | 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 | 12873.16 | 9.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18482.58 | Yes | Employed |  | No |  | No |  |
| XXXX | 867940 | 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 | 13782.74 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 867972 | 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 | 3879 | 6.343 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45296.04 | Yes | Employed |  | No |  | No |  |
| XXXX | 868524 | 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 | 12918.64 | 6.96 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6673.83 | Yes | Employed |  | No |  | No |  |
| XXXX | 868641 | 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 | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 868804 | 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 | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 869056 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 12010 | 6.476 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14139.56 | Yes | Employed |  | No |  | No |  |
| XXXX | 869060 | 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 | 14975 | 7.164 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9329.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 869061 | 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 | 7903.13 | 7.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9781.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 869104 | 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 | 11600 | 6.587 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 18305.07 | Yes | Employed |  | No |  | No |  |
| XXXX | 869105 | 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 | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 869109 | 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 | 9697.5 | 5.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7826.39 | Yes | Employed |  | No |  | No |  |
| XXXX | 869129 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 550605.21 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 869137 | 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 | 38375 | 8.364 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37773.68 | N/A | Employed |  | No |  | No |  |
| XXXX | 869139 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 12423.44 | 7.302 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19177.93 | Yes | Employed |  | No |  | No |  |
| XXXX | 869140 | 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 | 2602.47 | 7.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22803.07 | Yes | Employed |  | No |  | No |  |
| XXXX | 869145 | 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 | 7175 | 7.353 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3336.98 | N/A | Employed |  | No |  | No |  |
| XXXX | 869901 | 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 | 25587.12 | 9.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17591.49 | N/A | Employed |  | No |  | No |  |
| XXXX | 870093 | 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 | 30790 | 8.252 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29005.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 870913 | 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 | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| XXXX | 871056 | 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 | 871079 | 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 | 11485 | 7.353 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5205.93 | Yes | Employed |  | No |  | No |  |
| XXXX | 871141 | 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 | 11063.71 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 871152 | 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 | 60936.22 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 871168 | 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 | 9975 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3884.38 | Yes | Employed |  | No |  | No |  |
| XXXX | 871172 | 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 | 14937.28 | 7.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19670.96 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 871332 | 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 | 13205 | 7.137 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46037.44 | Yes | Employed |  | No |  | No |  |
| XXXX | 871832 | 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 | 872200 | 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 | 16115 | 7.608 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14106.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 872609 | 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 | 31175 | 9.5 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85004.89 | N/A | Employed |  | No |  | No |  |
| XXXX | 872610 | 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 | Yes | N/A | Yes | N/A | N/A | 354927.6 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 872615 | 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 | Yes | N/A | N/A | 191672.11 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 872627 | 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 | 872629 | 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 | 872630 | 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 | 875356 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 21607.84 | 8.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45750.82 | Yes | Employed |  | No |  | No |  |
| XXXX | 875491 | 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 | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 875493 | 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 | 15518.75 | 7.934 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8124.52 | Yes | Employed |  | No |  | No |  |
| XXXX | 875496 | 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 | 79118.9 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 875513 | 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 | 875515 | 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 | 875516 | 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 | 21475 | 6.769 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20557.77 | Yes | Not Employed |  | No |  | No |  |
| XXXX | 875517 | 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 | N/A | N/A | N/A | 127295.77 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 875528 | 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 | 875535 | 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 | 876623 | 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 | 876643 | 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 | 12355 | 7.69 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 29392.55 | Yes | Employed |  | No |  | No |  |
| XXXX | 878337 | 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 | 878342 | 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 | 878372 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Safe Harbor APOR (APOR SH) | Yes |  | No | No | Yes | No | No | No | No | No | No | No | No | 8765 | 7.919 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10099.21 | Yes | Employed |  | No |  | No |  |
| XXXX | 878556 | 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 | Yes | N/A | Yes | N/A | N/A | 48877.49 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 878558 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 42356 | 6.786 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80146.94 | N/A | Employed |  | No |  | No |  |
| XXXX | 878559 | 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 | 13460 | 8.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13500.98 | Yes | Employed |  | No |  | No |  |
| XXXX | 878621 | 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 | 878660 | 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 | 878663 | 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 | 878665 | 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 | 878667 | 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 | 13443 | 6.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1980.2 | Yes | Retired | Retired | No | No | No |  |
| XXXX | 878690 | 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 | 878698 | 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 | 19350 | 6.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4640.01 | Yes | Employed |  | No |  | No |  |
| XXXX | 878724 | 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 | 878747 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 878755 | 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 | 9010 | 6.946 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10609.28 | N/A | Employed |  | No |  | No |  |
| XXXX | 878762 | 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 | 878764 | 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 | 7637.5 | 6.28 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3192.97 | N/A | Employed |  | No |  | No |  |
| XXXX | 879674 | 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 | 879893 | 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 | 13287.5 | 8.166 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7355.21 | N/A | Employed |  | No |  | No |  |
| XXXX | 880268 | 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 | 16475 | 7.342 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48511.5 | Yes | Employed |  | No |  | No |  |
| XXXX | 880319 | 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 | 15833.5 | 7.091 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39297.15 | Yes | Employed |  | No |  | No |  |
| XXXX | 880321 | 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 | 26404.88 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 880325 | 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 | 880346 | 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 | 880347 | 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 | 880364 | 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 | 6475 | 6.966 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 58929.77 | Yes | Employed |  | No |  | No |  |
| XXXX | 880405 | 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 | 192868.29 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 880441 | 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 | 880442 | 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 | 880443 | 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 | 880444 | 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 | 8165 | 6.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9312.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 880456 | 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 | 17225 | 7.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10591.93 | Yes | Employed |  | No |  | No |  |
| XXXX | 881216 | 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 | 882018 | 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 | 14454.96 | 8.269 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 59925.87 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 883220 | 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 | 883222 | 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 | 14300 | 7.766 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21232.03 | Yes | Employed |  | No |  | No |  |
| XXXX | 883223 | 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 | 883226 | 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 | 26474.99 | 7.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34828.27 | Yes | Retired |  | No |  | No |  |
| XXXX | 883363 | 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 | 21620 | 7.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22806.75 | Yes | Employed |  | No |  | No |  |
| XXXX | 883370 | 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 | N/A | N/A | N/A | 103627.14 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 883371 | 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 | 13513.13 | 7.361 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4027.62 | Yes | Employed |  | No |  | No |  |
| XXXX | 884640 | 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 | Yes | N/A | Yes | N/A | N/A | 39703.54 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 885657 | 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 | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 886460 | 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 | 888248 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | Yes | No | No | No | No | 23375 | 6.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31803.72 | Yes | Employed |  | No |  | No |  |
| XXXX | 888254 | 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 | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 888260 | 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 | 8000 | 6.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16745.86 | Yes | Employed |  | No |  | No |  |
| XXXX | 888264 | 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 | 888278 | 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 | 10915 | 7.563 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 8791.3 | N/A | Employed |  | No |  | No |  |
| XXXX | 888279 | 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 | 170438.78 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 888291 | 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 | 5595 | 7.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3959.99 | Yes | Employed |  | No |  | No |  |
| XXXX | 888292 | 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 | 40662.5 | 7.372 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 91086.85 | Yes | Employed |  | No |  | No |  |
| XXXX | 888294 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 8015 | 6.558 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7699.26 | Yes | Employed |  | No |  | No |  |
| XXXX | 888308 | 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 | 888309 | 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 | 22746.25 | 8.495 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36881.3 | Yes | Employed |  | No |  | No |  |
| XXXX | 888316 | 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 | 11475 | 6.836 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12075.27 | Yes | Employed |  | No |  | No |  |
| XXXX | 888359 | 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 | 6475 | 7.202 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4688.57 | Yes | Employed |  | No |  | No |  |
| XXXX | 890238 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | 18735.1 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 890283 | 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 | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 890293 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| XXXX | 891715 | 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 | 24415.78 | 9.005 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17305.42 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 892350 | 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 | 893772 | 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 | 910474 | 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 | N/A | N/A | N/A | N/A | 34196.82 | Yes | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 835541 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 835541 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 835541 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 835590 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 835590 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per final 1003 |
| XXXX | 835590 | XXXX | XXXX | Borrower 1 Email or Internet | the1003Page | false | XXXX | per final 1003 |
| XXXX | 835590 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | per condo questionnaire |
| XXXX | 836876 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 836876 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 836876 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Foreign National per 1003 |
| XXXX | 837044 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 837044 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 837118 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 837507 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 837507 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 837507 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.32 | 30.89 | Lender did not include Borrower 2 housing payment in DTI calc |
| XXXX | 838744 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 838752 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 838923 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 838923 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.37 | 16.20 | DTI is within tolerance of the 1008. |
| XXXX | 839533 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 839533 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 839533 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.464 | 1.47 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| XXXX | 840743 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 840743 | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 840743 | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 840743 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 840760 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 841124 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 841124 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 841124 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2936.55 | DSCR loan |
| XXXX | 842225 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Executed Note |
| XXXX | 842225 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.67 | 38.07 | Lender has incorrect interest rate |
| XXXX | 842516 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in file |
| XXXX | 842516 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Lender indicates non warrantable on 1008 |
| XXXX | 842547 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 842547 | XXXX | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | per 1003 |
| XXXX | 842547 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 843484 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per 1008 |
| XXXX | 844412 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 846629 | XXXX | XXXX | Note Date | notePage | XXXX | XX/XX/XXXX | Per Note |
| XXXX | 846651 | XXXX | XXXX | Note Date | notePage | XXXX | XX/XX/XXXX | Per Note |
| XXXX | 846651 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XX/XX/XXXX | Per Appraisal |
| XXXX | 846671 | XXXX | XXXX | Note Date | notePage | XXXX | XX/XX/XXXX | Per Note |
| XXXX | 846671 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | XXXX |
| XXXX | 847006 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 847006 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | As per app |
| XXXX | 847006 | XXXX | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | per appraisal |
| XXXX | 847351 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 847351 | XXXX | XXXX | HOA Flag | propertyValuationPage | Yes | No | Per title and appraisal |
| XXXX | 847361 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in file |
| XXXX | 847361 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 in file |
| XXXX | 847361 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal. |
| XXXX | 847523 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 847523 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | 847523 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per 1008 |
| XXXX | 847533 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 847588 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 847603 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note in file |
| XXXX | 847603 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 in file |
| XXXX | 847608 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 847608 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 849865 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 849865 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per CD |
| XXXX | 849882 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 849882 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 36 | 5 Year | Per Note |
| XXXX | 849882 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per Final CD |
| XXXX | 850216 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 850460 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 850460 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 850460 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX | 850460 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire, Appraisal and 1008. |
| XXXX | 851072 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 851860 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 851860 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 851897 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 851897 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 851899 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 851899 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 851901 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 851931 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 853764 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 853764 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | As per App |
| XXXX | 853798 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 853812 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | 853812 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 853833 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 853840 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 853840 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | Y | Non warrantable per 1008 statement-reserves issue. |
| XXXX | 853849 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note on file |
| XXXX | 853849 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 on file |
| XXXX | 853849 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per final CD |
| XXXX | 853852 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 853905 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 853907 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 855153 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 855218 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 855218 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | 3 unit per appraisal |
| XXXX | 855228 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 855233 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 855233 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 855242 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 855242 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 855242 | XXXX | XXXX | HOA Flag | propertyValuationPage | No | Y | Property is a 3 family home and not part of a HOA. |
| XXXX | 855242 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 855245 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 855245 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.09 | 14.01 | Audit utilzed the full PITIA of the retained residence. |
| XXXX | 855253 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 855766 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 855766 | XXXX | XXXX | Borrower 1 Email or Internet | the1003Page | false | XXXX | Per Final 1003 |
| XXXX | 855766 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 856263 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 856263 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 856437 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 856644 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 856644 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 856961 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 856961 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per condo questionnaire |
| XXXX | 856964 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Note |
| XXXX | 856965 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 856965 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 857049 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | 2 Unit per appraisal |
| XXXX | 857049 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 89.75 | DSCR Loan |
| XXXX | 857050 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 857052 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | 857059 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | 857059 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per executed final cd |
| XXXX | 857061 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 857065 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 857065 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 858417 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 858417 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | 858417 | XXXX | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Per Appraisal |
| XXXX | 858417 | XXXX | XXXX | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | Per Final CD |
| XXXX | 858423 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 605.54 | DSCR |
| XXXX | 858433 | XXXX | XXXX | Borrower 1 Email or Internet | the1003Page | false | XXXX | Per 1003 |
| XXXX | 858433 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per date on 1003 in file |
| XXXX | 858441 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 858441 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 858441 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 858442 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 858442 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | 858472 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per Final CD |
| XXXX | 858474 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 858509 | XXXX | XXXX | B2 Originator Citizenship Designation | fraudReportPage | US Citizen | USCitizen |  |
| XXXX | 858520 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 858527 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 858527 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per CD |
| XXXX | 858528 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 858530 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | 858530 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | 858545 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0.81 | 0.803 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| XXXX | 858549 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | 858550 | XXXX | XXXX | HOA Flag | propertyValuationPage | No | Y | per appraisal |
| XXXX | 858550 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 53.71 | 28.90 | Audit calculated lower income |
| XXXX | 858595 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 863781 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 863781 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 863814 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 863814 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisals, used lesser of the 2 |
| XXXX | 864313 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per note |
| XXXX | 864313 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | PUD | Per appraisal |
| XXXX | 864434 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 864434 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 864434 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 864434 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.215 | 1.199 | Audit DSCR factor matches lenders per worksheet |
| XXXX | 864536 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per note |
| XXXX | 864536 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | As per initial 1003 |
| XXXX | 864610 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 864610 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | 864610 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal. |
| XXXX | 864610 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.255 | 1.269 | Difference in rounding |
| XXXX | 864619 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 864619 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 864644 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 864644 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per app |
| XXXX | 864644 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD in file |
| XXXX | 864644 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 864651 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 864653 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 864654 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note - page 514 |
| XXXX | 864657 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 864696 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per credit report |
| XXXX | 864696 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 864696 | XXXX | XXXX | Number of Units | propertyValuationPage | 3 | 1 | Per appraisal |
| XXXX | 864757 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 864759 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 864759 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Credit Report |
| XXXX | 864759 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per Appraisal |
| XXXX | 864759 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 66.94 | 71.56 | Per Appraisal/Loan amount |
| XXXX | 864759 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 66.94 | 71.56 | Per Appraisal/Loan amount |
| XXXX | 865513 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | date per Note on file |
| XXXX | 865513 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | date per initial 1003 |
| XXXX | 865737 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 865764 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | 866120 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 866120 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 866120 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 866134 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 24 | 2 Year | Per Note |
| XXXX | 866134 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 866134 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 866134 | XXXX | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | 866140 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 866289 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 866374 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 866374 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | 866578 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 866578 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.55 | 37.31 | Audit in line with 1008 |
| XXXX | 866578 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal and guides |
| XXXX | 866579 | XXXX | XXXX | Note Date | notePage | XXXX | V | Per Note |
| XXXX | 866579 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | V | Per Final CD |
| XXXX | 866580 | XXXX | XXXX | Note Date | notePage | XXXX | V | per Note |
| XXXX | 866973 | XXXX | XXXX | Note Date | notePage | XXXX | V | per note |
| XXXX | 867800 | XXXX | XXXX | Note Date | notePage | XXXX | V | Per Note |
| XXXX | 867940 | XXXX | XXXX | Note Date | notePage | XXXX | V | As per note |
| XXXX | 867972 | XXXX | XXXX | Note Date | notePage | XXXX | V | Per executed Note in file |
| XXXX | 868641 | XXXX | XXXX | Note Date | notePage | XXXX | V | As per note |
| XXXX | 868641 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | V | As per initial 1003 |
| XXXX | 868641 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 868804 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 868804 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | 868804 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 869056 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 869060 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 869061 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 869104 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 869109 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 869129 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 869129 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 869137 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 869137 | XXXX | XXXX | HOA Flag | propertyValuationPage | No | Y | From appraisal report |
| XXXX | 869901 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 870093 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 870913 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | date per note on file |
| XXXX | 871056 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 871056 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 527.26 | DSCR per 1003/1008 |
| XXXX | 871079 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 871141 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 871152 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 871152 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 871152 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | 3 Unit per appraisal |
| XXXX | 871168 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | 871168 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per appraisal |
| XXXX | 871332 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per pccd |
| XXXX | 871332 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.75 | 29.77 | Audit excluded installment < 10 months |
| XXXX | 871832 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 871832 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Loan Application |
| XXXX | 871832 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 872609 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | 872610 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 872627 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 872627 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | 872629 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 872629 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial application |
| XXXX | 872629 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1288.95 | DSCR |
| XXXX | 872630 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 872630 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | As per App |
| XXXX | 875356 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 875493 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 875496 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 875496 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | date on application |
| XXXX | 875496 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | final cd date |
| XXXX | 875513 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | 875513 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 875516 | XXXX | XXXX | Occupancy | the1003Page | Second Home | OwnerOccupied | second home as listed on 1003 and 1008 |
| XXXX | 875516 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 875516 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.32 | 40.88 | Lender counted primary residence debt twice. |
| XXXX | 875517 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 875517 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 875528 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 875528 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 875528 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Warrantable per docs in file |
| XXXX | 875535 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 875535 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Credit Report |
| XXXX | 875535 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per cd |
| XXXX | 876643 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 876643 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 878342 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 878342 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per CD |
| XXXX | 878342 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.03 | 1.198 | Variance due to lender did not include HOA and using different rental income |
| XXXX | 878372 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 878372 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per PCCD |
| XXXX | 878556 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | As per CD |
| XXXX | 878558 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 878558 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 878558 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 878558 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 878559 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 878559 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | 878621 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 878621 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 878621 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | 2 unit per appraisal |
| XXXX | 878621 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 533.74 | DSCR Loan |
| XXXX | 878660 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 878660 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 878660 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 878665 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 878667 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 878690 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | 878690 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per PCCD |
| XXXX | 878690 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 960.59 | DSCR |
| XXXX | 878698 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 878698 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 878724 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 878724 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | 878755 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | 878762 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 878762 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 878764 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 878764 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 879674 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 879674 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per application |
| XXXX | 879674 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 879893 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 879893 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per note |
| XXXX | 879893 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | 880268 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 880268 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per 1008 and condo docs |
| XXXX | 880319 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 880319 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per PCCD |
| XXXX | 880321 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 880321 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 880321 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 880325 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 in file |
| XXXX | 880325 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 718.03 | DSCR loan |
| XXXX | 880346 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 880346 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 880347 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 880347 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 880364 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 880364 | XXXX | XXXX | Occupancy | the1003Page | Second Home | OwnerOccupied | per 1003/riders |
| XXXX | 880364 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per FInal CD |
| XXXX | 880405 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 880405 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final Cd |
| XXXX | 880441 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 880441 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Application |
| XXXX | 880441 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | per Appraisal |
| XXXX | 880442 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 880442 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Application |
| XXXX | 880442 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 880442 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 880443 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 880443 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Application |
| XXXX | 880443 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per Appraisal |
| XXXX | 880443 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 880444 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 880456 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 880456 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 880456 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 773 | 775 | From credit report |
| XXXX | 881216 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 881216 | XXXX | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | 882018 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 883220 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 883220 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 883220 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 883220 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | 883220 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | 883220 | XXXX | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | 883222 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 883222 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | As per CD |
| XXXX | 883223 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 883223 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 798.35 | No DTI - DSCR |
| XXXX | 883226 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per HUD |
| XXXX | 883363 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 883363 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 883370 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 883370 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 883370 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 883370 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 883371 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 883371 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 884640 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 884640 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Loan Application |
| XXXX | 888248 | XXXX | XXXX | Prepayment Penalty Total Term | notePage | 0 |  | PPP Addendum in file. |
| XXXX | 888248 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 888248 | XXXX | XXXX | Prepayment Penalty Flag | notePage | Y | N | Per Prepayment Addendum to the Note |
| XXXX | 888254 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX | 888254 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | XXXX |
| XXXX | 888254 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisqal |
| XXXX | 888254 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.338 | 1.306 | Audit matches Lender's DSCR calculation |
| XXXX | 888260 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 888260 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD/Settlement Statement |
| XXXX | 888264 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 888278 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 888278 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 888279 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note. |
| XXXX | 888279 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | 888279 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 888291 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 888291 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 888291 | XXXX | XXXX | Borrower 1 Email or Internet | the1003Page | false | XXXX | Per Final 1003 |
| XXXX | 888291 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd |
| XXXX | 888292 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 888292 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 888294 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 888294 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per FInal CD |
| XXXX | 888308 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 888308 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | From Final CD |
| XXXX | 888309 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | 888309 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | As per CD |
| XXXX | 888316 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 888316 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per 1008 |
| XXXX | 888359 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 888359 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | 890238 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 890283 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 890283 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | 890283 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 890293 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 890293 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 891715 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 892350 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 892350 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 892350 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 892350 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 893772 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 893772 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | 893772 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 910474 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 835541 | XXXX D A | Closed | FCRE0177 | 2025-11-05 14:32 | 2025-11-07 16:37 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Confirmation borrower qualifying with full PITIA on subject-market rent not required. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Lender notes 1007 is not required when no rents are being used to qualify. Further more, at worst case borrower qualifies with full PITIA obligation hit and does not require any rents to qualify. Please clear - Seller-11/06/2025 <br> Open-Missing Third Party Market Rent Source Missing 1007 to document market rents on an investment property - Due Diligence Vendor-11/05/2025 | Ready for Review-Lender notes 1007 is not required when no rents are being used to qualify. Further more, at worst case borrower qualifies with full PITIA obligation hit and does not require any rents to qualify. Please clear - Seller-11/06/2025<br>| Resolved-Confirmation borrower qualifying with full PITIA on subject-market rent not required. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 793<br>Months Reserves exceed minimum required - 23.87 mths reserves; 3 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6142442 |
| XXXX | 836876 | XXXX D A | Closed | FCOM1221 | 2025-11-06 13:57 | 2025-11-10 14:38 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received security instrument. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/06/2025 <br> Open-The Deed of Trust is Incomplete Missing the signature page & notary page - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/06/2025<br>| Resolved-Received security instrument. - Due Diligence Vendor-11/10/2025<br>| Long term residence - 5 years at current primary residence<br>Months Reserves exceed minimum required - Required is 12 months reserves - actual is 15.85 months reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6159294 |
| XXXX | 836876 | XXXX D A | Closed | FCRE1509 | 2025-11-10 13:56 | 2025-11-10 13:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Complete Note received - Due Diligence Vendor-11/10/2025 <br>Open-Document Uploaded. Note uploaded - Due Diligence Vendor-11/10/2025 <br>Open-Missing Page 7 of the Note (signature page) - Due Diligence Vendor-11/10/2025 |  | Resolved-Complete Note received - Due Diligence Vendor-11/10/2025<br>| Long term residence - 5 years at current primary residence<br>Months Reserves exceed minimum required - Required is 12 months reserves - actual is 15.85 months reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6197840 |
| XXXX | 836876 | XXXX D A | Closed | FCOM1351 | 2025-11-06 14:06 | 2025-11-10 11:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-The Guaranty Agreement Doc is Not Applicable- Note was signed as Individual - Due Diligence Vendor-11/10/2025 <br>Ready for Review-We respectfully disagree. Guaranty Agreements are not valid on a Business Purpose Loan since the borrower, an individual, is guaranteeing their own performance on the loan, by default, by signing the loan documents since we are not lending directly to the LLC. - Seller-11/06/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-11/06/2025 | Ready for Review-We respectfully disagree. Guaranty Agreements are not valid on a Business Purpose Loan since the borrower, an individual, is guaranteeing their own performance on the loan, by default, by signing the loan documents since we are not lending directly to the LLC. - Seller-11/06/2025<br>| Resolved-The Guaranty Agreement Doc is Not Applicable- Note was signed as Individual - Due Diligence Vendor-11/10/2025<br>| Long term residence - 5 years at current primary residence<br>Months Reserves exceed minimum required - Required is 12 months reserves - actual is 15.85 months reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6159469 |
| XXXX | 837044 | XXXX C A | Closed | FCRE1440 | 2025-11-06 14:56 | 2025-11-19 14:30 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free letter. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/18/2025 <br> Counter-Loan program is DSCR (no ratio loan). Please provide the rent free letter from the property owner. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please note that XXXX are husband and wife, as evidenced by the attached Mortgage Document. In addition, we point that the application shows the borrower is currently living rent free, since the mortgage is only in the husbands name as evidenced by the Mortgage Statement in the file and the account not reporting on the borrower's credit; however, please note that the borrower was qualified with a current Primary Housing Expense of XXXX. If the borrower was truly qualified as rent free, the DTI would be substantially lower. We ask that this item be waived as the borrower was qualified with worst case and hit with the husbands housing payment in the DTI. Updating the file would only have a positive impact on the UW decision. - Seller-11/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent-free letter - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. Please note that XXXX are husband and wife, as evidenced by the attached Mortgage Document. In addition, we point that the application shows the borrower is currently living rent free, since the mortgage is only in the husbands name as evidenced by the Mortgage Statement in the file and the account not reporting on the borrower's credit; however, please note that the borrower was qualified with a current Primary Housing Expense of XXXX. If the borrower was truly qualified as rent free, the DTI would be substantially lower. We ask that this item be waived as the borrower was qualified with worst case and hit with the husbands housing payment in the DTI. Updating the file would only have a positive impact on the UW decision. - Seller-11/14/2025 | Resolved-Received Rent Free letter. - Due Diligence Vendor-11/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.167<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 759 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6160475 |
| XXXX | 837116 | XXXX D A | Closed | FCRE1241 | 2025-11-06 22:57 | 2025-11-13 14:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received ratified escrow instructions-mirrors appraisal. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-It is not uncommon and within allowable practices for escrow instructions to be used in lieu of purchase contract. Please clear finding or escalate. - Seller-11/12/2025 <br>Counter-Received Escrow Instructions. Purchase agreement is required to document obligation and terms of sale. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. The subject purchase is a Non-Arms length transaction. Using escrow instructions in lieu of purchase contract. - Seller-11/10/2025 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. - Due Diligence Vendor-11/07/2025 | Ready for Review-It is not uncommon and within allowable practices for escrow instructions to be used in lieu of purchase contract. Please clear finding or escalate. - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. The subject purchase is a Non-Arms length transaction. Using escrow instructions in lieu of purchase contract. - Seller-11/10/2025<br>| Resolved-Received ratified escrow instructions-mirrors appraisal. - Due Diligence Vendor-11/13/2025<br>| Qualifying DTI below maximum allowed - DTI of 33.63% is below the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 6.94 months exceeds the minimum required of 3 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6165215 |
| XXXX | 837116 | XXXX D A | Closed | FCRE6019 | 2025-11-07 10:31 | 2025-11-11 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-The requirement to provide both sides of the EAD is not supported by XXXX guidelines. The front of the EAD card is sufficient to establish lawful authorization of employment.<br> - Seller-11/10/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing a copy of the back of the borrower's EAD card<br> - Due Diligence Vendor-11/07/2025 | Ready for Review-The requirement to provide both sides of the EAD is not supported by XXXX guidelines. The front of the EAD card is sufficient to establish lawful authorization of employment.<br> - Seller-11/10/2025 | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-11/11/2025<br>| Qualifying DTI below maximum allowed - DTI of 33.63% is below the maximum allowed per guidelines of 50%<br>Months Reserves exceed minimum required - Verified assets of 6.94 months exceeds the minimum required of 3 months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6170667 |
| XXXX | 837118 | XXXX D A | Closed | FCRE7497 | 2025-11-07 11:11 | 2025-11-19 07:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property profile provided confirming no ownership of 3 and updated 1003 provided removing the property. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-We note that the address was left there in error and has been removed. We also note an LOE is not required as nothing in the file points to that address ever being occupied by the borrower. Please find that the borrower's ID and Bank Statements all show the borrower living at XXXX. In addition, the borrower's credit report has no reference to the address in question ever being used by the borrower. Since the 1003 shows the borrower has been occupying the subject for 7 years and the VOR verifies the borrower has rented since 2017, it is our position that an additional LOE is not required. Can this please be cleared? - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. REO 3A was left on the 1003 in error. Please see attached property profile to support the borrower does not own REO 3A. Attached is also a revised 1003. - Seller-11/10/2025 <br> Open-Missing documentation for REO 3A - Due Diligence Vendor-11/07/2025 | Ready for Review-We note that the address was left there in error and has been removed. We also note an LOE is not required as nothing in the file points to that address ever being occupied by the borrower. Please find that the borrower's ID and Bank Statements all show the borrower living at XXXX. In addition, the borrower's credit report has no reference to the address in question ever being used by the borrower. Since the 1003 shows the borrower has been occupying the subject for 7 years and the VOR verifies the borrower has rented since 2017, it is our position that an additional LOE is not required. Can this please be cleared? - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. REO 3A was left on the 1003 in error. Please see attached property profile to support the borrower does not own REO 3A. Attached is also a revised 1003. - Seller-11/10/2025 | Resolved-Property profile provided confirming no ownership of 3 and updated 1003 provided removing the property. - Due Diligence Vendor-11/19/2025<br>| Long term residence - Borrower at current residence for 8 yrs w/satisfactory rental history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 804 |  | 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 | 6171464 |
| XXXX | 837118 | XXXX D A | Closed | FCRE1506 | 2025-11-07 12:33 | 2025-11-19 07:17 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Property profile provided confirming no ownership of 3 and updated 1003 provided removing the property. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-We note that the address was left there in error and has been removed. We also note an LOE is not required as nothing in the file points to that address ever being occupied by the borrower. Please find that the borrower's ID and Bank Statements all show the borrower living at XXXX. In addition, the borrower's credit report has no reference to the address in question ever being used by the borrower. Since the 1003 shows the borrower has been occupying the subject for 7 years and the VOR verifies the borrower has rented since 2017, it is our position that an additional LOE is not required. Can this please be cleared? - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. REO 3A was left on the 1003 in error. Please see attached property profile to support the borrower does not own REO 3A. Attached is also a revised 1003. - Seller-11/10/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing REO documentation for property 3A. DTI not yet finalized - Due Diligence Vendor-11/07/2025 | Ready for Review-We note that the address was left there in error and has been removed. We also note an LOE is not required as nothing in the file points to that address ever being occupied by the borrower. Please find that the borrower's ID and Bank Statements all show the borrower living at XXXX. In addition, the borrower's credit report has no reference to the address in question ever being used by the borrower. Since the 1003 shows the borrower has been occupying the subject for 7 years and the VOR verifies the borrower has rented since 2017, it is our position that an additional LOE is not required. Can this please be cleared? - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. REO 3A was left on the 1003 in error. Please see attached property profile to support the borrower does not own REO 3A. Attached is also a revised 1003. - Seller-11/10/2025 | Resolved-Property profile provided confirming no ownership of 3 and updated 1003 provided removing the property. - Due Diligence Vendor-11/19/2025<br>| Long term residence - Borrower at current residence for 8 yrs w/satisfactory rental history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 804 |  | 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 | 6173907 |
| XXXX | 837118 | XXXX D A | Closed | FCRE5790 | 2025-11-07 10:46 | 2025-11-11 17:00 | 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 documentation - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. The final DV delivered with the loan file had the UDM detail report with a start date of XXXX, which is within 10 days of closing. - Seller-11/10/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Drive report is dated outside the 10 days from Note per GL - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. The final DV delivered with the loan file had the UDM detail report with a start date of XXXX, which is within 10 days of closing. - Seller-11/10/2025 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-11/11/2025<br>| Long term residence - Borrower at current residence for 8 yrs w/satisfactory rental history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 804 |  | 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 | 6170959 |
| XXXX | 837507 | XXXX C A | Closed | FCRE6873 | 2025-11-10 08:14 | 2025-11-18 14:14 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received Processor Cert. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please see attached Verified and Cleared Fraud Alert - Seller-11/14/2025 <br>Open-Missing processor fraud cert for coborrower - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. Please see attached Verified and Cleared Fraud Alert - Seller-11/14/2025<br>| Resolved-Received Processor Cert. - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 745<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 34.32% |  | 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 | 6190780 |
| XXXX | 839533 | XXXX C A | Closed | FCRE2244 | 2025-11-10 13:33 | 2025-12-05 18:24 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received updated appraisal with kitchen pic for unit 1. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Please see attached Appraisal report showing a picture of unit XXXX kitchen. - Seller-12/01/2025 <br> Counter-Per FNMA appraisal-report - forms and exhibits- At a minimum, the appraisal report must include photographs of the following:<br> the kitchen;<br> all bathrooms;<br> main living areas of the property (such as living room, family room, dining room, all bedrooms, etc.);<br> below-grade areas(s), including all finished and unfinished rooms;<br> examples of physical deterioration, if present; and<br> examples of recent updates, such as restoration, remodeling, and renovation, if present.<br>Appraisal is missing photo of kitchen for unit 1.<br> (No evidence of stove hook-up for unit 3 is required) - Due Diligence Vendor-11/20/2025 <br> Ready for Review-I disagree. The mere fact that the Appraiser did not mention any missing hook-up for XXXX and XXXX and also provided a replacement reserve schedule is more than enough evidence that there is no missing hookup. Please clear this finding or escalate to management. - Seller-11/17/2025 <br> Counter-Provide confirmation from appraiser XXXX and XXXX contain a stove or acceptable hookup. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Appraisal was completed "As is" confirming the property contained all required hook-ups. In addition, the Appraiser noted on the Replacement Reserve Schedule that the property contained XXXX. Based on the information provided, the UW would not have required additional proof that stove hookups were available. Please see attached Replacement Reserve Schedule. Please clear this finding. - Seller-11/13/2025 <br> Open-Property Issues are identified for the property XXXX missing picture of kitchen with working stove<br> Unit 3 missing picture of working stove - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. Please see attached Appraisal report showing a picture of unit #1 kitchen. - Seller-12/01/2025 <br>Ready for Review-I disagree. The mere fact that the Appraiser did not mention any missing hook-up for unit1 and unit 3 and also provided a replacement reserve schedule is more than enough evidence that there is no missing hookup. Please clear this finding or escalate to management. - Seller-11/17/2025 <br>Ready for Review-Document Uploaded. Appraisal was completed "As is" confirming the property contained all required hook-ups. In addition, the Appraiser noted on the Replacement Reserve Schedule that the property contained 3 Stoves/Ranges. Based on the information provided, the UW would not have required additional proof that stove hookups were available. Please see attached Replacement Reserve Schedule. Please clear this finding. - Seller-11/13/2025<br>| Resolved-Received updated appraisal with kitchen pic for unit 1. - Due Diligence Vendor-12/05/2025<br>| Months Reserves exceed minimum required - Required reserves required is 0 months - actual reserves is 15.95 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum allowable FICO score is 660 - actual FICO score is 750. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6197347 |
| XXXX | 839533 | XXXX C A | Closed | FCRE1440 | 2025-11-10 12:26 | 2025-11-19 14:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached rent free letter on XXXX. Please clear this finding. - Seller-11/18/2025 <br> Counter-Received property profile confirming borrower is not reflecting on title for primary residence-rent free letter from spouse required. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Please note that XXXX are husband and wife, as evidenced by the attached Mortgage Document. In addition, we point that the application shows the borrower is currently living rent free, since the mortgage is only in the husbands name as evidenced by the Mortgage Statement in the file and the account not reporting on the borrower's credit; however, please note that the borrower was qualified with a current Primary Housing Expense of XXXX. If the borrower was truly qualified as rent free, the DTI would be substantially lower. We ask that this item be waived as the borrower was qualified with worst case and hit with the husbands housing payment in the DTI. Updating the file would only have a positive impact on the UW decision. - Seller-11/14/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower living rent free. Missing letter from property owner confirming rent free status. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. Please see attached rent free letter on XXXX. Please clear this finding. - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. Please note that XXXX are husband and wife, as evidenced by the attached Mortgage Document. In addition, we point that the application shows the borrower is currently living rent free, since the mortgage is only in the husbands name as evidenced by the Mortgage Statement in the file and the account not reporting on the borrower's credit; however, please note that the borrower was qualified with a current Primary Housing Expense of XXXX. If the borrower was truly qualified as rent free, the DTI would be substantially lower. We ask that this item be waived as the borrower was qualified with worst case and hit with the husbands housing payment in the DTI. Updating the file would only have a positive impact on the UW decision. - Seller-11/14/2025 | Resolved-Received Rent Free Letter. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - Required reserves required is 0 months - actual reserves is 15.95 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum allowable FICO score is 660 - actual FICO score is 750. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6196098 |
| XXXX | 839533 | XXXX C A | Closed | FCRE1510 | 2025-11-05 14:36 | 2025-11-14 15:36 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Please see attached DOT with signature page, notary signature and legal description. - Seller-11/12/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Signature and Notary page. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Please see attached DOT with signature page, notary signature and legal description. - Seller-11/12/2025<br>| Resolved-Received complete security instrument. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Required reserves required is 0 months - actual reserves is 15.95 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum allowable FICO score is 660 - actual FICO score is 750. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6142804 |
| XXXX | 841124 | XXXX D A | Closed | FCOM1220 | 2025-11-06 10:20 | 2025-11-14 16:16 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received Security Instrument. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/12/2025 <br> Open-The Deed of Trust is Missing Please provide executed deed of trust. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/12/2025<br>| Resolved-Received Security Instrument. - Due Diligence Vendor-11/14/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR 0, borrower DSCR 1.190 Required is 0 Borrower has 1.19<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 754. Required is 660 Borrower has 754 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6153431 |
| XXXX | 842225 | XXXX C A | Closed | FCRE1198 | 2025-11-12 08:41 | 2025-11-18 13:43 | 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 contains documentation to support paid prior to close. Audited Reserves of 6.07 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/18/2025 <br> Ready for Review-According to the transaction history delivered with the loan file on page 58, the XXXX balance is after the XXXXpayment. - Seller-11/14/2025 <br> Counter-Review concurs with validated assets. however required reserves includeXXXX in required reserves. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-We respectfully disagree. The borrower had verified depository assets totaling XXXX Gift. According to the final CD, the CTC was XXXX in reserves to meet the 6 mo. reserve requirement of $25,600.44. - Seller-11/12/2025 <br> Open-Audited Reserves of 5.91 month(s) are less than Guideline Required Reserves of 6 month(s) Borrower is short reserves - Due Diligence Vendor-11/12/2025 | Ready for Review-According to the transaction history delivered with the loan file on page 58, the XXXX payment. - Seller-11/14/2025 <br> Ready for Review-We respectfully disagree. The borrower had verified depository assets totaling XXXX Gift. According to the final CD, the CTC was XXXX in reserves to meet the 6 mo. reserve requirement of $25,600.44. - Seller-11/12/2025 | Resolved-Upon further review the loan file contains documentation to support paid prior to close. Audited Reserves of 6.07 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - DTI (38.07%) below Max Amnt (50%) Required is 50 Borrower has 26.67 |  |  | 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 | 6221034 |
| XXXX | 842516 | XXXX C A | Closed | FPRO9999 | 2025-11-12 12:55 | 2025-12-01 16:32 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-The association confirmed the lawsuit is being covered by insurance and does not affect the subject building. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Please note that the file contains a copy of the Filed complaint which addresses that the lawsuit was due to Water Damage to a different building. The complaint also provides confirmation that the amount is over $50,000.00, which is common when replacing an entire roof for the building along with any repairs required from the water damage. We further note that the documentation, previously provided, confirms that the damages have been isolated to the other Unit (Different Building) and explains that the damages are being covered by the Insurance Company. It is our position that the documentation adequately supports that incidents pertaining to the the lawsuit have been Isolated and do not impact the subject unit, nor the building in which our property is situated in. We ask that this please be cleared. - Seller-12/01/2025 <br> Counter-Received emails-missing confirmation of the following: It is major or minor in nature• Does it relate to safety, structural or functionality, NOT JUST the subject unit•Amount of lawsuit<br> • Does the file contain a letter from an attn. or HOA stating lawsuit is covered by Insurance<br> - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. The HOA has confirmed in writing that the litigation pertains to a property damage claim. The association is not being sued for operational or governance issues, nor does the case involve any structural or safety defects within the condominium. The HOA's email correspondence further states that the association's insurance carrier has accepted defense of the claim, and the matter is being managed by the insurer's appointed legal counsel. This demonstrates that the association is fully insured for the issue in question, and legal expenses and potential settlements, if any, are being handled under the policy. Also, The HOA confirm that the damages are isolated to a different building which does not impact the lending decision. The HOA email states that the issue is with another building which is Building O while the subject borrower's condo is in XXXX which is a completely different building. Please clear this finding. - Seller-11/13/2025 <br> Open-The condo project has pending litigation. Condo has pending litigation, condo being sued for property damage. - Due Diligence Vendor-11/13/2025 | Ready for Review-Please note that the file contains a copy of the Filed complaint which addresses that the lawsuit was due to Water Damage to a different building. The complaint also provides confirmation that the amount is over $50,000.00, which is common when replacing an entire roof for the building along with any repairs required from the water damage. We further note that the documentation, previously provided, confirms that the damages have been isolated to the other Unit (Different Building) and explains that the damages are being covered by the Insurance Company. It is our position that the documentation adequately supports that incidents pertaining to the the lawsuit have been Isolated and do not impact the subject unit, nor the building in which our property is situated in. We ask that this please be cleared. - Seller-12/01/2025 <br>Ready for Review-Document Uploaded. The HOA has confirmed in writing that the litigation pertains to a property damage claim. The association is not being sued for operational or governance issues, nor does the case involve any structural or safety defects within the condominium. The HOA's email correspondence further states that the association's insurance carrier has accepted defense of the claim, and the matter is being managed by the insurer's appointed legal counsel. This demonstrates that the association is fully insured for the issue in question, and legal expenses and potential settlements, if any, are being handled under the policy. Also, The HOA confirm that the damages are isolated to a different building which does not impact the lending decision. The HOA email states that the issue is with another building which is Building O while the subject borrower's condo is in Building G which is a completely different building. Please clear this finding. - Seller-11/13/2025<br>| Resolved-The association confirmed the lawsuit is being covered by insurance and does not affect the subject building. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 745 Required is 720 Borrower has 745<br>Months Reserves exceed minimum required - 6 months reserves is required, borrower has 67.65 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6226247 |
| XXXX | 843484 | XXXX C A | Closed | FCRE0179 | 2025-11-12 13:54 | 2025-11-17 15:05 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 confirming Type Q warrantable. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-11/13/2025 <br> Open-UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/13/2025<br>| Resolved-Received 1008 confirming Type Q warrantable. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.77 Required is 50 Borrower has 41.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 712 Required is 680 Borrower has 712 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6227316 |
| XXXX | 846671 | XXXX D A | Closed | FCRE7347 | 2025-11-14 14:39 | 2025-11-25 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received leases with proof of receipt - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see \*\*\* XXXX transaction history with receipts/ deposits from "XXXX and borrower's Statement and transaction history from XXXX showing e-deposits 9.5 & 10.6 $3,150 and 102 $3000 receipts of rents - match XXXX. Also Note, property was recently acquired on XXXX. Please clear as soon as possible and thank you for expediting this matter - Seller-11/22/2025 <br> Counter-Received Tenant Estoppel for each unit-rents reflecting as $2,415 and $3,150-review is unable to locate receipt of each rent for XXXX and XXXX - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Please see attached the XXXX transferred Lease agreements, management XXXX transaction history with receipts 10.6 & 9.5 and borrower's Statement and transaction history from XXXX showing e-deposits XXXX receipts of rents. Also Note, property was recently acquired on XXXX. Please clear - Seller-11/19/2025 <br> Open-Missing Lease agreement/Rent Receipts for REO XXXX - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see \*\*\* XXXX transaction history with receipts/ deposits from XXXX and borrower's Statement and transaction history from XXXX showing e-deposits 9.5 & 10.6 $3,150 and 102 $3000 receipts of rents - match XXXX. Also Note, property was recently acquired on XXXX. Please clear as soon as possible and thank you for expediting this matter - Seller-11/22/2025 <br> Ready for Review-Document Uploaded. Please see attached the 2 UNITS transferred Lease agreements, managementXXXX transaction history with receipts 10.6 & 9.5 and borrower's Statement and transaction history from XXXX showing e-deposits 9.5 & 10.6 receipts of rents. Also Note, property was recently acquired on XXXX. Please clear - Seller-11/19/2025 | Resolved-Received leases with proof of receipt - Due Diligence Vendor-11/25/2025<br>| Months Reserves exceed minimum required - 41.02 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 753 Required is 660 Borrower has 753 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6258722 |
| XXXX | 846671 | XXXX D A | Closed | FPRO9999 | 2025-11-14 13:33 | 2025-11-20 16:08 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review, documents provided show the litigation is not structural in nature, no health and safety issues noted. This litigation is against individuals within the HOA (including the Plaintiff) Condition resolved - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Lender notes copy of the litigation complaint shows it is non-financial and does not involve safety or structure issues. It meets FNMA's guidelines for an acceptable litigation. Please clear - Seller-11/19/2025 <br> Open-The condo project has pending litigation. XXXX has been named defendant in a lawsuit filed by a member of the Association. (current homeowner within XXXX). Indicated Claims related to Civil Code violations. Docs on file dated XXXX, and indicate litigation is in early stage, attorney has not been assigned and the Association's insurance carrier has been notified with coverage being evaluated under the term of the liability policy (the Board does not anticipate any immediate financial impact on the Association's operating budget or reserve funds). Provide attorney assignment and that the Association's insurance carrier is covering. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Lender notes copy of the litigation complaint shows it is non-financial and does not involve safety or structure issues. It meets FNMA's guidelines for an acceptable litigation. Please clear - Seller-11/19/2025<br>| Resolved-After further review, documents provided show the litigation is not structural in nature, no health and safety issues noted. This litigation is against individuals within the HOA (including the Plaintiff) Condition resolved - Due Diligence Vendor-11/20/2025<br>| Months Reserves exceed minimum required - 41.02 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 753 Required is 660 Borrower has 753 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6257513 |
| XXXX | 847006 | XXXX C A | Closed | FPRO9999 | 2025-11-14 15:58 | 2025-11-17 09:27 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Insurance will cover litigation. Litigation involves localized damage to a unit in the project that does not impact the overall safety, structural soundness or functionality of the building - Due Diligence Vendor-11/17/2025 <br> Open-The condo project has pending litigation. The Association is a defense party in litigation.(case XXXX) Litigation involves localized damage to a unit in the project that does not impact the overall safety, structural soundness or functionality of the building. The Insurance carrier has agreed to provide defense and amount is covered by the HOA's insurance. Reasonably anticipated or known damages and legal expenses are not expected to exceed 10% of the projects funded reserves. - Due Diligence Vendor-11/14/2025 |  | Resolved-Insurance will cover litigation. Litigation involves localized damage to a unit in the project that does not impact the overall safety, structural soundness or functionality of the building - Due Diligence Vendor-11/17/2025<br>| Months Reserves exceed minimum required - 102.61 mths reserves; 6 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6259896 |
| XXXX | 847351 | XXXX C A | Closed | FCRE1206 | 2025-11-17 09:31 | 2025-11-24 09:55 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Document Uploaded. SAM.gov and OFAC for appraiser received. - Due Diligence Vendor-11/24/2025 <br> Counter-SAM.gov provided, please provide the updated exclusionary list. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser to be added to the Loan Participants List. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025<br>| Resolved-Document Uploaded. SAM.gov and OFAC for appraiser received. - Due Diligence Vendor-11/24/2025<br>| Qualifying DTI below maximum allowed - Guideline maximum DTI is 45% for a FTHB. Borrower's DTI is 29.73%. Required is 45 Borrower has 29.73<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 700. Borrower's qualifying credit score is 761. Required is 700 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6270783 |
| XXXX | 847351 | XXXX C A | Closed | FCRE1440 | 2025-11-15 12:19 | 2025-11-21 16:21 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved- living rent free is not under the Escrow waivers are not allowed for the following and meets Escrow waivers permitted 12.4 in GL. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Please escalate. XXXX guidelines do not stipulate that living rent free is not allowed for escrow waiver. - Seller-11/19/2025 <br> Counter-Borrower does not meet the 0x30x12 housing/rental history requirement required for Escrow Waivers. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-We respectfully disagree. XXXX guidelines do not specify that living rent free is not allowed for escrow waiver. - Seller-11/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per section 12.4 of the guidelines, escrow waivers are allowed with 0x30x12 housing history. Borrower has been living rent free and lacks housing history. - Due Diligence Vendor-11/17/2025 | Ready for Review-Please escalate. XXXX guidelines do not stipulate that living rent free is not allowed for escrow waiver. - Seller-11/19/2025 <br> Ready for Review-We respectfully disagree. XXXX guidelines do not specify that living rent free is not allowed for escrow waiver. - Seller-11/17/2025 | Resolved- living rent free is not under the Escrow waivers are not allowed for the following and meets Escrow waivers permitted 12.4 in GL. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Guideline maximum DTI is 45% for a FTHB. Borrower's DTI is 29.73%. Required is 45 Borrower has 29.73<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 700. Borrower's qualifying credit score is 761. Required is 700 Borrower has 761 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6263804 |
| XXXX | 847351 | XXXX C A | Closed | FCRE0113 | 2025-11-15 11:53 | 2025-11-19 15:06 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, appraiser documented the room as a bedroom. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. We respectfully disagree. The property is classified by the County as a 3 bedroom, please see attached. As such, additional commentary by the appraiser is not required. - Seller-11/17/2025 <br>Open-Appraiser to comment on the third floor bedroom being classified as a bedroom as the room is not enclosed (overlooks the living room) and does not appear to have a door (stairs from kitchen has none and none is shown at the top of the stairs). - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. We respectfully disagree. The property is classified by the County as a 3 bedroom, please see attached. As such, additional commentary by the appraiser is not required. - Seller-11/17/2025<br>| Resolved-Upon further review, appraiser documented the room as a bedroom. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Guideline maximum DTI is 45% for a FTHB. Borrower's DTI is 29.73%. Required is 45 Borrower has 29.73<br>Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 700. Borrower's qualifying credit score is 761. Required is 700 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6263766 |
| XXXX | 847361 | XXXX C A | Closed | FCRE0105 | 2025-11-14 19:55 | 2025-11-25 15:04 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-The file does not contain the required structural engineer report per state law. Received Questionnaire. Questionnaire #19 confirmed completed within the last 3 years. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Please note that we only require the 1st page of the inspection to evidence the structural inspection was completed. Per the Questionnaire, it is noted that the inspection was completed within the last 3 years which meets our requirement. Additional information is not required. Can this please be cleared? - Seller-11/24/2025 <br> Counter-Review concurs - we only need to confirm the inspection has been completed-1st page received does not provide the date and review is unable to confirm milestone requirements met. (condo questionnaire does not provide inspection date). Please provide confirmation of date of structural inspection completed. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached Condo Limited Review Questionnaire #19 for XXXX Only - Copy of the First page of the inspection report or the inspection invoice is required to document inspection completion which was provided in the file. Also #20 and #21 indicated that there is no findings related to safety, soundness, structural integrity or habitability of the project's buildings and there is no significant deferred maintenance posted to the subject property. Please clear this finding. - Seller-11/17/2025 <br> Open-The file does not contain the required structural engineer report per state law. Condo Structural Reports not in file. Page one only provided. - Due Diligence Vendor-11/15/2025 | Ready for Review-Please note that we only require the 1st page of the inspection to evidence the structural inspection was completed. Per the Questionnaire, it is noted that the inspection was completed within the last 3 years which meets our requirement. Additional information is not required. Can this please be cleared? - Seller-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached Condo Limited Review Questionnaire #19 for XXXX Only - Copy of the First page of the inspection report or the inspection invoice is required to document inspection completion which was provided in the file. Also #20 and #21 indicated that there is no findings related to safety, soundness, structural integrity or habitability of the project's buildings and there is no significant deferred maintenance posted to the subject property. Please clear this finding. - Seller-11/17/2025 | Resolved-The file does not contain the required structural engineer report per state law. Received Questionnaire. Questionnaire #19 confirmed completed within the last 3 years. - Due Diligence Vendor-11/25/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 60 LTV 60% LTV. Allowed 70%<br>Months Reserves exceed minimum required - 2.69 months reserves; 0 months reserves required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6262045 |
| XXXX | 847523 | XXXX C A | Closed | FCRE0179 | 2025-11-17 10:26 | 2025-11-19 15:40 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW attestation. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br> Open-UW Attestation/Docs stating warrantability are missing. Missing from Uploaded documents - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025<br>| Resolved-Received UW attestation. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 783 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6271971 |
| XXXX | 847523 | XXXX C A | Closed | FCRE0025 | 2025-11-17 12:25 | 2025-11-17 12:27 | Resolved | 1 - Information C A | Credit | Eligibility | Borrower is party to a lawsuit according to the 1003 declaration | Resolved-Per attorney letter borrower liability insurance will cover and borrower has substantial reserves. - Due Diligence Vendor-11/17/2025 <br> Open-Borrower is suit to $8,000 lawsuit - Due Diligence Vendor-11/17/2025 |  | Resolved-Per attorney letter borrower liability insurance will cover and borrower has substantial reserves. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 783 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6274942 |
| XXXX | 847533 | XXXX D A | Closed | FCRE1201 | 2025-11-15 22:09 | 2025-11-19 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br> Open-Missing Third Party Fraud Report Missing fraud report for transaction. - Due Diligence Vendor-11/16/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Required is 700 Borrower has 762<br>On time mortgage history exceeds guideline requirement - 0x30x46 |  | 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 | 6264535 |
| XXXX | 847588 | XXXX C A | Closed | FCRE0184 | 2025-11-15 21:39 | 2025-11-19 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose affidavit reflecting proceeds for business purpose only. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached Business Purpose Cert where borrower certifies use of cash proceeds. - Seller-11/17/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash-out Letter on a Business Purpose Loan - Due Diligence Vendor-11/16/2025 | Ready for Review-Document Uploaded. Please see attached Business Purpose Cert where borrower certifies use of cash proceeds. - Seller-11/17/2025<br>| Resolved-Received business purpose affidavit reflecting proceeds for business purpose only. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - 20.97 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6264501 |
| XXXX | 847608 | XXXX D B A | Closed | FCRE1506 | 2025-11-17 12:15 | 2025-12-22 15:24 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Client provided waiver for reserves, all required documentation received - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 6 months in reserves - Seller-11/26/2025 <br> Counter-Pending sufficient reserves. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-please see other defect already cleared, please clear this as soon as possible and thank you for expediting this matter - Seller-11/22/2025 <br> Counter-Pending receipt of sufficient assets. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Please clear loan is for non-Business Purpose - Seller-11/18/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 6 months in reserves - Seller-11/26/2025 <br>Ready for Review-please see other defect already cleared, please clear this as soon as possible and thank you for expediting this matter - Seller-11/22/2025 <br>Ready for Review-Please clear loan is for non-Business Purpose - Seller-11/18/2025<br>| Resolved-Client provided waiver for reserves, all required documentation received - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 680. The borrower's qualifying FICO score is 730. Required is 680 Borrower has 730<br>Credit history exceeds minimum required - Guidelines require a 12 month credit history. Borrower has 71 months of on time credit history. | Residual income >1.5 times $3500.00 monthly residual income<br> 24+ credit history exceeds min required | 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 | 6274654 |
| XXXX | 847608 | XXXX D B A | Closed | FCRE1198 | 2025-11-16 19:00 | 2025-12-01 14:15 | 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. to allow for 6 months reserves versus 9 months required per guidelines. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 6 months in reserves - Seller-11/26/2025 <br> Counter-Review is considering XXXX-not considering XXXX as transferred to XXXX on XXXX. Short reserves of 9 months-short XXXX with only 6.45 mos verified. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see updated URLA with corrected Balance to XXXX available Balance XXXX and attached the updated balance. - Seller-11/21/2025 <br> Counter-Borrowers verified own assets as of XXXX - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Disagree, lender notes - Total borrower funds verifiedXXXX <br> Verified funds are more than XXXX total funds required to be verified <br> \*\*\*Breakdown is as follows \*\*\*<br> Borrower asset verified XXXX<br> EMD $37,000<br> Gift at closing XXXX<br> The following are the funds needed to close: <br> XXXX\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*<br> CD shows Funds to close XXXX<br> - Seller-11/18/2025 <br> Open-Audited Reserves of 6.45 month(s) are less than Guideline Required Reserves of 9 month(s) - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 6 months in reserves - Seller-11/26/2025 <br> Ready for Review-Document Uploaded. Please see updated URLA with corrected Balance to XXXX available Balance XXXX and attached the updated balance. - Seller-11/21/2025 <br> Ready for Review-Document Uploaded. Disagree, lender notes - Total borrower funds verified XXXX<br> Verified funds are more than XXXX total funds required to be verified <br> \*\*\*Breakdown is as follows \*\*\*<br> Borrower asset verified XXXX<br> EMD $37,000<br> Gift at closing XXXX<br> The following are the funds needed to close: <br> XXXX\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*<br> CD shows Funds to close XXXX<br> - Seller-11/18/2025 | Waived-Originator waiver applied to non-material finding with compensating factors. to allow for 6 months reserves versus 9 months required per guidelines. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 680. The borrower's qualifying FICO score is 730. Required is 680 Borrower has 730<br>Credit history exceeds minimum required - Guidelines require a 12 month credit history. Borrower has 71 months of on time credit history. | residual income >1.5 times, $3500.00 monthly residual income required<br> 24+ months credit history exceeds the min required per guides | 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 | 6265889 |
| XXXX | 847608 | XXXX D B A | Closed | FCRE1326 | 2025-11-16 18:36 | 2025-11-20 15:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received 2 year P&L - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Please see attached CPA Letter and CPA provided 24 mo P&L only - Seller-11/18/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing The borrower's income documentation is missing from the loan file. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached CPA Letter and CPA provided 24 mo P&L only - Seller-11/18/2025<br>| Resolved-Received 2 year P&L - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 680. The borrower's qualifying FICO score is 730. Required is 680 Borrower has 730<br>Credit history exceeds minimum required - Guidelines require a 12 month credit history. Borrower has 71 months of on time credit history. |  | 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 | 6265835 |
| XXXX | 847608 | XXXX D B A | Closed | FCRE1206 | 2025-11-17 12:11 | 2025-11-20 15:14 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM.gov - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Please see attached Appraiser not found on Exclusionary list - Seller-11/18/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser to be added to the Loan Participants List. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached Appraiser not found on Exclusionary list - Seller-11/18/2025<br>| Resolved-Received SAM.gov - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 680. The borrower's qualifying FICO score is 730. Required is 680 Borrower has 730<br>Credit history exceeds minimum required - Guidelines require a 12 month credit history. Borrower has 71 months of on time credit history. |  | 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 | 6274565 |
| XXXX | 847608 | XXXX D B A | Closed | FCRE1194 | 2025-11-16 19:00 | 2025-11-20 15:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted for LTV, waiver applied with compactors - non-material. 5% Variance - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception used to final approve loan - Seller-11/18/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% The guidelines for a FTHB require a maximum LTV of 80%. The subject loan closed with an 85% LTV. The 1008 indicates an exception was approved; however, there is no exception in the loan file. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached Exception used to final approve loan - Seller-11/18/2025<br>| Waived-Originator exception granted for LTV, waiver applied with compactors - non-material. 5% Variance - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guidelines require a minimum FICO score of 680. The borrower's qualifying FICO score is 730. Required is 680 Borrower has 730<br>Credit history exceeds minimum required - Guidelines require a 12 month credit history. Borrower has 71 months of on time credit history. | DTI is over 5% below max allowed<br> 0x30 general credit | 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 | No | 6265888 |
| XXXX | 849865 | XXXX D A | Closed | FCRE0008 | 2025-11-18 08:51 | 2025-12-04 15:54 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received PCCD with correct PPP term. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD. Any pricing implications will be settled with the end investor and should not delay the loan being cleared.<br>- Seller-12/02/2025 <br> Open-Per note 36 month PP term, Per CD 5 year PP Term - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Please see attached PCCD. Any pricing implications will be settled with the end investor and should not delay the loan being cleared.<br>- Seller-12/02/2025<br>| Resolved-Received PCCD with correct PPP term. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - 90.07 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 745 Required is 680 Borrower has 745 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6286881 |
| XXXX | 849865 | XXXX D A | Closed | FCRE7497 | 2025-11-17 11:34 | 2025-11-21 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received complete PITIA for XXXX - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/19/2025 <br> Counter-Received CD and Taxes for XXXX. Mtg stmnt pg 231 of loan file does not include escrows. Missing HOI and 2nd lien documents noted on 1003.<br> - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Taxes & Ins for XXXX are included in the first XXXX. Please see attached. - Seller-11/18/2025 <br> Open-Missing 2nd Mtg Taxes & Ins for REOXXXX - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/19/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Taxes & Ins forXXXX are included in the first XXXX. Please see attached. - Seller-11/18/2025 | Resolved-Received complete PITIA for XXXX- Due Diligence Vendor-11/21/2025 | Months Reserves exceed minimum required - 90.07 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 745 Required is 680 Borrower has 745 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6273679 |
| XXXX | 849882 | XXXX D A | Closed | FCRE0008 | 2025-11-18 11:28 | 2025-12-04 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received PCCD with the correct PPP term. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD. Any pricing implications will be settled with the end investor and should not delay the loan being cleared. - Seller-12/02/2025 <br> Open-Per note 36 month PP term, Per CD 5 year PP Term - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Please see attached PCCD. Any pricing implications will be settled with the end investor and should not delay the loan being cleared. - Seller-12/02/2025<br>| Resolved-Received PCCD with the correct PPP term. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - 443.65 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 745 Required is 680 Borrower has 745 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6289914 |
| XXXX | 849882 | XXXX D A | Closed | FCRE7497 | 2025-11-18 09:32 | 2025-11-21 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received proof of escrows with first lien cd, 2nd lien, and taxes. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br> Counter-Please provide the CD for the 2nd lien (XXXX) - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Taxes & Ins for XXXX are included in the first XXXX. Please see attached. - Seller-11/18/2025 <br> Open-Missing 2nd Mortgage, Taxes & Ins for REO XXXX - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Taxes & Ins for XXXX are included in the first XXXX. Please see attached. - Seller-11/18/2025 | Resolved-Received proof of escrows with first lien cd, 2nd lien, and taxes. - Due Diligence Vendor-11/21/2025<br>| Months Reserves exceed minimum required - 443.65 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 745 Required is 680 Borrower has 745 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6287682 |
| XXXX | 850216 | XXXX C A | Closed | FCRE1206 | 2025-11-18 11:38 | 2025-11-25 15:39 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM for seller and appraiser. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-updating fraud report is not required, not mandatory, Please clear as soon as possible and thank you for expediting this matter, or escalate for manager review - Seller-11/22/2025 <br> Counter-Received SAM clearance-please provide updated fraud report reflecting seller confirming not on any exclusionary lists. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see attached shows Seller "XXXX" and Appraiser XXXX as not listed on Exclusionary Lists - Seller-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached shows Seller "XXXX" as not listed - Seller-11/19/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and seller to be added to the loan participants list. Other conditions may apply. - Due Diligence Vendor-11/18/2025 | Ready for Review-updating fraud report is not required, not mandatory, Please clear as soon as possible and thank you for expediting this matter, or escalate for manager review - Seller-11/22/2025 <br> Ready for Review-Document Uploaded. Please see attached shows Seller "XXXX" and Appraiser XXXX as not listed on Exclusionary Lists - Seller-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached shows Seller "XXXX" as not listed - Seller-11/19/2025 | Resolved-Received SAM for seller and appraiser. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score is 660. Borrower's qualifying FICO score is 684. Required is 660 Borrower has 684<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Guideline DSCR minimum is 0.8. Borrower's DSCR is 1.012. Required is 0.8 Borrower has 1.012 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6290111 |
| XXXX | 851072 | XXXX C A | Closed | FCRE1510 | 2025-11-14 15:18 | 2025-11-20 15:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/19/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Ex A; Legal - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/19/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.44 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6259303 |
| XXXX | 851860 | XXXX D A C | Closed | FCRE5770 | 2025-11-18 12:20 | 2025-11-24 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit report for both borrowers. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX credit report - Seller-11/21/2025 <br> Open-Borrower 1 Credit Report is Missing. Missing the credit report for both borrowers, consumer debt from 1003 used to determine the DTI. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Please see attached 9.2025 credit report - Seller-11/21/2025<br>| Resolved-Received Credit report for both borrowers. - Due Diligence Vendor-11/24/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail <br>Months Reserves exceed minimum required - 22.43 mths reserves; 12 mths required. |  | 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 | 6290846 |
| XXXX | 851860 | XXXX D A C | Closed | FCRE1193 | 2025-11-19 17:40 | 2025-11-24 14:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received bank statements to support paid by another party. Audited DTI of 48.04% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Disagree, please see attached XXXX Lease agreement and supporting bank statements docs show brother has made all "XXXX" payments since commencement of agreement. - Seller-11/21/2025 <br> Open-Audited DTI of 54.87% exceeds Guideline DTI of 50% Lender excluded the XXXX lease payment stating the brothers borrower has been making payments. Missing documentation to support the borrower is not making the monthly payments. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Disagree, please see attached 12.2024 Lease agreement and supporting bank statements docs show brother has made all "XXXX" payments since commencement of agreement. - Seller-11/21/2025 | Resolved-Received bank statements to support paid by another party. Audited DTI of 48.04% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/24/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail <br>Months Reserves exceed minimum required - 22.43 mths reserves; 12 mths required. |  | 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 | 6313433 |
| XXXX | 851860 | XXXX D A C | Closed | FCOM1978 | 2025-11-17 14:44 | 2025-11-24 10:43 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received Acknowledgement that borrower signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. please see attached LOS tracking system shows e-signed XXXX - Seller-11/21/2025 <br> Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. File shows an Unsigned Intent to Proceed<br> - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. please see attached LOS tracking system shows e-signed XXXX - Seller-11/21/2025 | Resolved------Received Acknowledgement that borrower signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/24/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Excess Resid Inc Avail <br>Months Reserves exceed minimum required - 22.43 mths reserves; 12 mths required. |  | 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 | 6278359 |
| XXXX | 852339 | XXXX D A C | Closed | FCRE1202 | 2025-11-19 11:04 | 2025-11-25 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2025 <br>Open-Third Party Fraud Report Partially Provided Missing a fraud report for B2. Additional conditions may apply pending review. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2025<br>| Resolved-Received Fraud Report - Due Diligence Vendor-11/25/2025<br>| LTV is less than guideline maximum - Max allowed is 80%, Borrowers have 74.81%. Required is 80 Borrower has 74.81<br>Qualifying DTI below maximum allowed - Maximum is 50%, Borrowers have 10.59%. Required is 50 Borrower has 10.59<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 660, Borrowers have 760. Required is 660 Borrower has 760 |  | 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 | 6305123 |
| XXXX | 852339 | XXXX D A C | Closed | FCRE5783 | 2025-11-19 11:03 | 2025-11-25 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 UDM - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing a Gap Credit Report or UDM from Fraud Report for B2. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/21/2025<br>| Resolved-Received Borrower 2 UDM - Due Diligence Vendor-11/25/2025<br>| LTV is less than guideline maximum - Max allowed is 80%, Borrowers have 74.81%. Required is 80 Borrower has 74.81<br>Qualifying DTI below maximum allowed - Maximum is 50%, Borrowers have 10.59%. Required is 50 Borrower has 10.59<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 660, Borrowers have 760. Required is 660 Borrower has 760 |  | 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 | 6305106 |
| XXXX | 852339 | XXXX D A C | Closed | FCOM1978 | 2025-11-17 15:09 | 2025-11-21 09:26 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received copy of borrowers acknowledgement of Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see attached audit trail - signed e-disclosure of Intent to Proceed. - Seller-11/19/2025 <br>Open------Missing evidence of borrower acknowledged Into to Proceed and POC fees appear on the Final CD. ITP form in file is unexecuted. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Please see attached audit trail - signed e-disclosure of Intent to Proceed. - Seller-11/19/2025<br>| Resolved------Received copy of borrowers acknowledgement of Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/21/2025<br>| LTV is less than guideline maximum - Max allowed is 80%, Borrowers have 74.81%. Required is 80 Borrower has 74.81<br>Qualifying DTI below maximum allowed - Maximum is 50%, Borrowers have 10.59%. Required is 50 Borrower has 10.59<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required is 660, Borrowers have 760. Required is 660 Borrower has 760 |  | 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 | 6278893 |
| XXXX | 853812 | XXXX B A | Closed | FCOM1301 | 2025-11-18 12:17 | 2025-11-18 12:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings.. - Due Diligence Vendor-11/18/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material Findings.. - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score is 600. Borrower's qualifying FICO score is 668. Required is 600 Borrower has 668<br>LTV is less than guideline maximum - Guidelines maximum LTV is 75%. Subject LTV is 55%. Required is 75 Borrower has 55<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50.49%. Borrower's DTI is 30.36%. Required is 50.49 Borrower has 30.36 |  |  | 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 | 6290790 |
| XXXX | 853833 | XXXX C A | Closed | FCRE1440 | 2025-11-19 09:11 | 2025-11-26 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation of 12 months VOR-XXXX - Due Diligence Vendor-11/26/2025 <br> Ready for Review-The subject loan funded on XXXX, The VOR for the departing residence indicates the lease began in XXXX and are not paid in arrears. Therefore, a complete 12 months rent payment history has been verified. - Seller-11/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower: Need a full 12 months of rent payments verified for borrower. Missing prior address VOR to verify a full 12 months.<br> - Due Diligence Vendor-11/19/2025 | Ready for Review-The subject loan funded on XXXX, The VOR for the departing residence indicates the lease began in XXXX and are not paid in arrears. Therefore, a complete 12 months rent payment history has been verified. - Seller-11/25/2025 | Resolved-Received confirmation of 12 months VOR-XXXX - Due Diligence Vendor-11/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.24 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6302492 |
| XXXX | 853833 | XXXX C A | Closed | FCRE0200 | 2025-11-20 10:10 | 2025-11-21 15:28 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received DV confirming debt pg 22 of upload. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please refer to the attached Final DV delivered with the loan file for the XXXX tradeline opened on XXXX. - Seller-11/20/2025 <br> Open-Missing account statement showing new debt not on the credit report for either borrower for XXXX - reflect payment that matches to 1003 which was added to DTI. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Please refer to the attached Final DV delivered with the loan file for the XXXX. - Seller-11/20/2025 | Resolved-Received DV confirming debt pg 22 of upload. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 801<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.24 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6320848 |
| XXXX | 853840 | XXXX C A | Closed | FCRE1440 | 2025-11-20 11:17 | 2025-12-01 15:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-No Housing History or Less Than 12 Months Verified - Borrowers who do not have a complete 12-month housing history are subject to the following restrictions:<br> o DTI may not exceed 50%<br> o LTV may not exceed 90% - Due Diligence Vendor-12/01/2025 <br> Ready for Review-I disagree, Section 4.7 - Borrowers with No Housing History or less than 12 months verified housing history applies to this loan. The borrower owns his primary residence at XXXX for only 6 months, thus the borrower has no 12 months verified housing history and since the LTV does not exceed 90% and the DTI does not exceed 50%, This is the guide that was used to approve this loan. Section 4.8 Rent-free guide only applies to primary residence and 2nd homes only. Please clear this finding or escalate to management. - Seller-11/26/2025 <br> Counter-No document provided. Guideline also indicate Must provide a rent-free letter. The signor must be the owner of the property or lessee of the property. Must provide evidence of ownership or lease. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Per our program guidelines (Section 4.7 – No Housing History or Less Than 12 Months Verified), borrowers without a full 12-month verifiable housing history remain eligible provided the following conditions are met:<br>DTI does not exceed 50%<br>LTV does not exceed 90%<br>The borrower's loan file meets both of these requirements. Although the prior residence did not generate traditional rent payments and therefore cannot produce standard documentation, the borrower resided rent-free during that period. This circumstance does not indicate elevated risk, as the borrower has demonstrated stable residency and financial responsibility throughout the remainder of the qualifying period.<br>Given that the file satisfies the compensating restrictions explicitly outlined in the guidelines, we respectfully request acceptance of the borrower's housing history as compliant with Section 4.7. A rent-free letter can be provided if required for completeness, but per program criteria, eligibility is already met with the verified DTI and LTV thresholds. Please clear this finding. - Seller-11/20/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter for prior residence to complete 12 month history. - Due Diligence Vendor-11/20/2025 | Ready for Review-I disagree, Section 4.7 - Borrowers with No Housing History or less than 12 months verified housing history applies to this loan. The borrower owns his primary residence at XXXX for only 6 months, thus the borrower has no 12 months verified housing history and since the LTV does not exceed 90% and the DTI does not exceed 50%, This is the guide that was used to approve this loan. Section 4.8 Rent-free guide only applies to primary residence and 2nd homes only. Please clear this finding or escalate to management. - Seller-11/26/2025 <br> Ready for Review-Per our program guidelines (Section 4.7 – No Housing History or Less Than 12 Months Verified), borrowers without a full 12-month verifiable housing history remain eligible provided the following conditions are met:<br>DTI does not exceed 50%<br>LTV does not exceed 90%<br>The borrower's loan file meets both of these requirements. Although the prior residence did not generate traditional rent payments and therefore cannot produce standard documentation, the borrower resided rent-free during that period. This circumstance does not indicate elevated risk, as the borrower has demonstrated stable residency and financial responsibility throughout the remainder of the qualifying period.<br>Given that the file satisfies the compensating restrictions explicitly outlined in the guidelines, we respectfully request acceptance of the borrower's housing history as compliant with Section 4.7. A rent-free letter can be provided if required for completeness, but per program criteria, eligibility is already met with the verified DTI and LTV thresholds. Please clear this finding. - Seller-11/20/2025 | Resolved-No Housing History or Less Than 12 Months Verified - Borrowers who do not have a complete 12-month housing history are subject to the following restrictions:<br> o DTI may not exceed 50%<br> o LTV may not exceed 90% - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br>Qualifying DTI below maximum allowed - 68.89% DTI, program allows to 50%. Required is 50 Borrower has 36.89 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6322305 |
| XXXX | 853849 | XXXX D A | Closed | FCRE1508 | 2025-11-18 16:07 | 2025-12-02 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Foreign National Alternative Credit Documentation is Missing | Resolved-Alternative Credit Documentation for Foreign National is provided. - Due Diligence Vendor-12/02/2025 <br> Counter-Received Letters. Guideline requires an original credit reference letter from an internationally known financial institution. The reference letter does not need to include details or payment histories of debt obligations located outside of the U.S.; or •A bank statement documenting a foreign financial banking relationship for the past 60-days may be utilized. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 13-14 and attached herein. - Seller-11/20/2025 <br> Open-The Alternative Credit Documentation for Foreign National is Missing. Alternative Credit Documentation for Foreign National is Missing. Utility bill for B2 in file does not suffice on page 96. An original credit reference letter from an internationally known financial institution. The reference letter does not need to include details or payment histories of debt obligations located outside of the U.S.; or •A bank statement documenting a foreign financial banking relationship for the past 60-days may be utilized. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 13-14 and attached herein. - Seller-11/20/2025<br>| Resolved-Alternative Credit Documentation for Foreign National is provided. - Due Diligence Vendor-12/02/2025<br>| Months Reserves exceed minimum required - Reserves = 9.04 months – Required Reserves = 6 Months<br>Long term residence - Long Term Residence = 6+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6295433 |
| XXXX | 853849 | XXXX D A | Closed | FCOM1221 | 2025-11-20 12:19 | 2025-11-24 13:05 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br>Open-The Deed of Trust is Incomplete Missing signature and notary page. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - Reserves = 9.04 months – Required Reserves = 6 Months<br>Long term residence - Long Term Residence = 6+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6324092 |
| XXXX | 853905 | XXXX D A | Closed | FCRE2393 | 2025-11-19 09:10 | 2025-11-21 15:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Received proof of sale of REO. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. There is no need to verify if property E is free & clear, and provide taxes and insurance since the Final 1003 and XXXX shows this property 3E - XXXX prior to the Closing Date of XXXX. Please clear this finding. - Seller-11/20/2025 <br> Open-Finding Added: Property E : Provide docs to verify free & clear, taxes, and insurance. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. There is no need to verify if property E is free & clear, and provide taxes and insurance since the Final 1003 and XXXX shows this XXXX 3E - XXXX. Please clear this finding. - Seller-11/20/2025 | Resolved-Received proof of sale of REO. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 734 Required is 680 Borrower has 734<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 33.17% Required is 50 Borrower has 33.17 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6302485 |
| XXXX | 853907 | XXXX C A | Closed | FCRE1506 | 2025-11-20 14:25 | 2025-11-26 15:25 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-11/26/2025 <br> Ready for Review- Verification of business deposits are unwarranted. Please escalate and clear the finding. - Seller-11/25/2025 <br> Counter-There is a Large deposit of XXXX that should be sourced.<br> - Due Diligence Vendor-11/25/2025 <br> Ready for Review-As explained on the Business Narrative Form delivered with the loan file, the business "receives contractual management fees and carried interest when we sell businesses in our portfolio". No further explanation is required and verification of business deposits are unwarranted. Please escalate and clear the finding. - Seller-11/21/2025 <br> Counter-Received Business Narrative. Pending verification of Business Deposits page 48 - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. The subject loan is a 24 month business bank statement income verification type. As explained on the attached Business Narrative Form delivered with the loan file, the business "receives contractual management fees and carried interest when we sell businesses in our portfolio". No further explanation is required. - Seller-11/20/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of Business Deposits page 487. - Due Diligence Vendor-11/20/2025 | Ready for Review- Verification of business deposits are unwarranted. Please escalate and clear the finding. - Seller-11/25/2025 <br>Ready for Review-As explained on the Business Narrative Form delivered with the loan file, the business "receives contractual management fees and carried interest when we sell businesses in our portfolio". No further explanation is required and verification of business deposits are unwarranted. Please escalate and clear the finding. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. The subject loan is a 24 month business bank statement income verification type. As explained on the attached Business Narrative Form delivered with the loan file, the business "receives contractual management fees and carried interest when we sell businesses in our portfolio". No further explanation is required. - Seller-11/20/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 803<br>LTV is less than guideline maximum - Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.19 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6330232 |
| XXXX | 853907 | XXXX C A | Closed | FCRE1495 | 2025-11-20 14:34 | 2025-11-26 15:25 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Current Employment Not Verified | Resolved-ATR: Current Employment Was Verified - Due Diligence Vendor-11/26/2025 <br> Ready for Review- Verification of business deposits are unwarranted. Please escalate and clear the finding. - Seller-11/25/2025 <br> Counter-There is a Large deposit of XXXX that should be sourced. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-As explained on the Business Narrative Form delivered with the loan file, the business "receives contractual management fees and carried interest when we sell businesses in our portfolio". No further explanation is required and verification of business deposits are unwarranted. Please escalate and clear the finding. - Seller-11/21/2025 <br> Counter-Received Business Narrative. Guideline require verification of business deposits. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. The subject loan is a 24 month business bank statement income verification type. As explained on the attached Business Narrative Form delivered with the loan file, the business "receives contractual management fees and carried interest when we sell businesses in our portfolio". No further explanation is required. - Seller-11/20/2025 <br> Open-Missing verification of Business Deposits page 487. - Due Diligence Vendor-11/20/2025 | Ready for Review- Verification of business deposits are unwarranted. Please escalate and clear the finding. - Seller-11/25/2025 <br>Ready for Review-As explained on the Business Narrative Form delivered with the loan file, the business "receives contractual management fees and carried interest when we sell businesses in our portfolio". No further explanation is required and verification of business deposits are unwarranted. Please escalate and clear the finding. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. The subject loan is a 24 month business bank statement income verification type. As explained on the attached Business Narrative Form delivered with the loan file, the business "receives contractual management fees and carried interest when we sell businesses in our portfolio". No further explanation is required. - Seller-11/20/2025<br>| Resolved-ATR: Current Employment Was Verified - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 803<br>LTV is less than guideline maximum - Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.19 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6330404 |
| XXXX | 853907 | XXXX C A | Closed | FCRE1510 | 2025-11-18 13:36 | 2025-11-21 14:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Legal Description is missing - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 803<br>LTV is less than guideline maximum - Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.19 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6292413 |
| XXXX | 853907 | XXXX C A | Closed | finding-3634 | 2025-11-18 13:10 | 2025-11-19 21:39 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Zero (0%) tolerance fees increased by $20 (Credit Fee) without a valid COC in file. Lender credit of $20 on final CD, the .10 is a rounding issue.. Finding resolved - Due Diligence Vendor-11/20/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $20.10.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 $20 (Credit Fee) without a valid COC in file. Lender credit of $20 on final CD, the .10 is a rounding issue.. Finding resolved - Due Diligence Vendor-11/18/2025 |  | Resolved-Zero (0%) tolerance fees increased by $20 (Credit Fee) without a valid COC in file. Lender credit of $20 on final CD, the .10 is a rounding issue.. Finding resolved - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 803<br>LTV is less than guideline maximum - Required is 85 Borrower has 65<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.19 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6291838 |
| XXXX | 855153 | XXXX C A | Closed | finding-3545 | 2025-11-18 17:22 | 2025-11-21 09:19 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-PLEASE ADVISE ON WHAT FEE INCREASE YOU ARE REFERENCING SO THE CORRECT COC CAN BE PROVIDED - Seller-11/20/2025 <br> Open-This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on XXXX As not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-11/18/2025 | Ready for Review-PLEASE ADVISE ON WHAT FEE INCREASE YOU ARE REFERENCING SO THE CORRECT COC CAN BE PROVIDED - Seller-11/20/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 43.03 Required is 50 Borrower has 43.03<br>Long term residence - Borrower at current residence for 22 years |  |  | 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 | 6296608 |
| XXXX | 855153 | XXXX C A | Closed | finding-3540 | 2025-11-19 08:42 | 2025-11-21 09:19 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-PLEASE ADVISE ON WHAT FEE INCREASE YOU ARE REFERENCING SO THE CORRECT COC CAN BE PROVIDED - Seller-11/20/2025 <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"XXXX" 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. Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-11/19/2025 | Ready for Review-PLEASE ADVISE ON WHAT FEE INCREASE YOU ARE REFERENCING SO THE CORRECT COC CAN BE PROVIDED - Seller-11/20/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 43.03 Required is 50 Borrower has 43.03<br>Long term residence - Borrower at current residence for 22 years |  |  | 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 | 6301991 |
| XXXX | 855242 | XXXX D A | Closed | FCRE5770 | 2025-11-19 09:57 | 2025-11-25 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. 11.21 Please see attached credit report - Seller-11/21/2025 <br>Open-Borrower 1 Credit Report is Missing. The full credit report is missing from the loan file. Additional conditions may apply pending review. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. 11.21 Please see attached credit report - Seller-11/21/2025<br>| Resolved-Received Credit Report. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.67<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 3.28 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6303592 |
| XXXX | 855242 | XXXX D A | Closed | FCRE5790 | 2025-11-19 09:57 | 2025-11-25 13:54 | 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 UDM was not expired. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Please see snapshot of DataVerify provided shows updated date 11.12 - Seller-11/21/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Please see snapshot of DataVerify provided shows updated date 11.12 - Seller-11/21/2025<br>| Resolved-Upon further review, the UDM was not expired. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.67<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 3.28 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6303593 |
| XXXX | 855242 | XXXX D A | Closed | FCRE1440 | 2025-11-21 11:52 | 2025-11-25 13:54 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit report. Credit supplement was located in the loan file. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. Please see attached credit report and mtg stmt reflecting 10.1 payment due - Seller-11/21/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOM's for subject and primary residence (no credit report found in file) - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Please see attached credit report and mtg stmt reflecting 10.1 payment due - Seller-11/21/2025<br>| Resolved-Received Credit report. Credit supplement was located in the loan file. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br>LTV is less than guideline maximum - Required is 80 Borrower has 56.67<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 3.28 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6342815 |
| XXXX | 855244 | XXXX C A | Closed | FCRE1198 | 2025-11-19 15:23 | 2025-11-26 08:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received XXXX statement not in loan file. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. The borrowers assets in XXXX, meeting the required reserves per the exception approval. The requested document was included in the delivered loan file. Please refer to page 417-418 and attached herein. - Seller-11/20/2025 <br> Open-Audited Reserves of 0.78 month(s) are less than Guideline Required Reserves of 3 month(s) Short Reserves - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. The borrowers assets in XXXX, meeting the required reserves per the exception approval. The requested document was included in the delivered loan file. Please refer to page 417-418 and attached herein. - Seller-11/20/2025 | Resolved-Received XXXX statement not in loan file. - Due Diligence Vendor-11/24/2025 | LTV is less than guideline maximum - Rule False Max LTV is 85%, borrowers LTV is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 779 Required is 700 Borrower has 779 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6310969 |
| XXXX | 855245 | XXXX C A | Closed | FCRE0179 | 2025-11-19 15:37 | 2025-11-24 13:18 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 Transmittal Summary stating Condo is warrantable. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. I disagree. Please see attached PC 1008 Transmittal Summary. Condo is warrantable. - Seller-11/21/2025 <br>Open-UW Attestation/Docs stating warrantability are missing. Provide UW attestation stating warrantability of Condo. Although a "Condo Review - Limited vs. Full" worksheet was provided, neither the worksheet nor the HOA questionnaire address the HOA budget and/or confirm the project's financial stability. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. I disagree. Please see attached PC 1008 Transmittal Summary. Condo is warrantable. - Seller-11/21/2025<br>| Resolved-Received 1008 Transmittal Summary stating Condo is warrantable. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 784 Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 23.09% Required is 50 Borrower has 23.09<br>Months Reserves exceed minimum required - Borrower verified 40 months of reserves, 6 months required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6311304 |
| XXXX | 855253 | XXXX D B C A | Closed | FCRE1506 | 2025-11-20 12:25 | 2025-11-24 14:23 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received waiver for missing statements. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception Request Form to use 9 months Business Bank Statements. Please clear this finding. - Seller-11/20/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. File missing full 12 months for XXXX. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Please see attached Exception Request Form to use 9 months Business Bank Statements. Please clear this finding. - Seller-11/20/2025<br>| Resolved-Received waiver for missing statements. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 21 months > 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 792 Required is 660 Borrower has 792 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6324278 |
| XXXX | 855253 | XXXX D B C A | Closed | FCRE1342 | 2025-11-19 13:39 | 2025-11-24 14:22 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Waived-Originator provided a waiver to average 8.5 months bank statement over 12 months, applied to non material finding with comp factors - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached Exception Request Form to use 9 months Business Bank Statements. Please clear this finding. - Seller-11/20/2025 <br> Open-Borrower 1 Business Bank Statements Missing File missing full 12 months for XXXX. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached Exception Request Form to use 9 months Business Bank Statements. Please clear this finding. - Seller-11/20/2025<br>| Waived-Originator provided a waiver to average 8.5 months bank statement over 12 months, applied to non material finding with comp factors - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 21 months > 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 792 Required is 660 Borrower has 792 | -Reserves 3+ months above minimum required.<br> - Qualifying FICO score is at least 20 points above minimum for program. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6308769 |
| XXXX | 855253 | XXXX D B C A | Closed | FCOM1978 | 2025-11-19 11:05 | 2025-11-24 10:45 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-----Received acknowledgement that borrower signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached Audit Trail that shows evidence that the Acknowledgement of Intent to Proceed was e-signed by the borrower XXXX. Please clear this finding. - Seller-11/20/2025 <br> Open-------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Please see attached Audit Trail that shows evidence that the Acknowledgement of Intent to Proceed was e-signed by the borrower XXXX. Please clear this finding. - Seller-11/20/2025 | Resolved-----Received acknowledgement that borrower signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - 21 months > 6 required<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 792 Required is 660 Borrower has 792 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6305146 |
| XXXX | 855255 | XXXX C B A | Closed | FCRE1200 | 2025-11-19 18:12 | 2025-11-21 15:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver loan amount less than $100, 0000 , applied to non material finding with comp factors - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see attached exception request form. - Seller-11/20/2025 <br>Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Please see attached exception request form. - Seller-11/20/2025<br>| Waived-Originator provided a waiver loan amount less than $100, 0000 , applied to non material finding with comp factors - Due Diligence Vendor-11/21/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.54 50% DTI MAX AND THE BORROWER HAS A 41%<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 711 Required is 680 Borrower has 711 | Exception Rate/Pricing Adjustment 0.5000<br> Exception Type LTV Current Guideline Description Max loan amount 100k Exception Request Description lower loan amount to XXXX Compensating Factors 0x30x24 mtg history DTI less than 5% max Years on Job 5 | 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 | No | 6313697 |
| XXXX | 855766 | XXXX C A | Closed | FCRE5790 | 2025-11-19 22:28 | 2025-11-21 15:43 | 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-11/21/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of closing. Please see attached Final DV. - Seller-11/20/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date) - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of closing. Please see attached Final DV. - Seller-11/20/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 41.25<br>Months Reserves exceed minimum required - NO RESERVES REQUIRED AND THE BORROWER HAS 13 MONTHS<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 691 660 FICO MINIMUM AND BORROWER HAS A 691 |  | 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 | 6314703 |
| XXXX | 856393 | XXXX C A | Closed | FCRE1198 | 2025-11-19 20:59 | 2025-11-26 13:38 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. Audited Reserves of 7.7 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Please refer to the attached statement which reflects the balance in XXXX. - Seller-11/24/2025 <br> Counter-Review reflects total funds available as XXXX which includes total available funds deposit from XXXX. Finding remains. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. The borrower's assets totaled XXXX.<br> - Seller-11/21/2025 <br> Open-Audited Reserves of 1.79 month(s) are less than Guideline Required Reserves of 6 month(s) Verified assets do not cover the minimum reserves required of 6 months. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. We respectfully disagree. Please refer to the attached statement which reflects the balance in XXXX. - Seller-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. The borrower's assets totaled XXXX.<br> - Seller-11/21/2025 | Resolved-Received additional assets. Audited Reserves of 7.7 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/26/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.055 which exceeds the minimum required of .80 Required is 0.8 Borrower has 1.055 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6314460 |
| XXXX | 856437 | XXXX D B C A | Closed | FCRE7497 | 2025-11-21 11:53 | 2025-12-08 15:19 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-Originator waiver applied to non-material finding with compensating factors. Exception to allow loan to be approved without HOI documentation for 3a and use .35% of estimated value as the qualifying HOI payment. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached Exception - Seller-12/08/2025 <br> Counter-Unable to accept estimate. HOI documentation is required. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-HOI was calculated using 0.35% of the current estimated value from XXXX to be conservative. We note that the DTI just increased to 19.626% and is still well below the allowable DTI requirement. Please clear this item as there is no material affect to the Underwriting decision. - Seller-11/25/2025 <br> Counter-Property report was located on page 1039. Please provide Insurance verification. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see updated 1003 and 1008 which adds Taxes and Insurance. Taxes were calculated at XXXX/mth based on Property Profile and HOI was calculated using 0.35% of the current estimated value from XXXX to be conservative. We note that the DTI just increased to 19.626% and is still well below the allowable DTI requirement. Please clear this item as there is no material affect to the Underwriting decision. - Seller-11/22/2025 <br> Open-Property 3A: Provide docs to verify HOI annual premium and a copy of the first lien mortgage statement to verify RE taxes and HOI payments are escrowed and included in the monthly payment provided on the loan application and credit report. Audit utilized the first lien payment used by the lender, to include any RE tax/HOI premiums. Additional conditions may apply pending review. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Please see attached Exception - Seller-12/08/2025 <br> Ready for Review-HOI was calculated using 0.35% of the current estimated value from XXXX to be conservative. We note that the DTI just increased to 19.626% and is still well below the allowable DTI requirement. Please clear this item as there is no material affect to the Underwriting decision. - Seller-11/25/2025 <br> Ready for Review-Document Uploaded. Please see updated 1003 and 1008 which adds Taxes and Insurance. Taxes were calculated at XXXX/mth based on Property Profile and HOI was calculated using 0.35% of the current estimated value from XXXX to be conservative. We note that the DTI just increased to 19.626% and is still well below the allowable DTI requirement. Please clear this item as there is no material affect to the Underwriting decision. - Seller-11/22/2025 | Waived-Originator waiver applied to non-material finding with compensating factors. Exception to allow loan to be approved without HOI documentation for 3a and use .35% of estimated value as the qualifying HOI payment. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 784 Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 19.17% Required is 50 Borrower has 19.17 | \* DTI is 5% below max allowed<br> \* Residual Income =/> 1.5 times $3,500 monthly residual income | 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 | 6342831 |
| XXXX | 856437 | XXXX D B C A | Closed | FCRE5790 | 2025-11-20 10:23 | 2025-11-25 15:00 | 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-11/25/2025 <br> Ready for Review-Document Uploaded. Please see updated XXXX showing there was no change that would impact the UW decision - Seller-11/21/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide Gap Credit Report dated within 10 days of Note date. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Please see updated XXXX showing there was no change that would impact the UW decision - Seller-11/21/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 784 Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 19.17% Required is 50 Borrower has 19.17 |  | 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 | 6321199 |
| XXXX | 856437 | XXXX D B C A | Closed | finding-3646 | 2025-11-24 09:07 | 2025-11-25 08:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. PCCD UPLOADED - Seller-11/24/2025 <br> Open-\*\*\*\*\*New\*\*\*\*Post CD is dated same day as Final CD is signed. Please provide a PCCD. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. PCCD UPLOADED - Seller-11/24/2025<br>| Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 784 Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 19.17% Required is 50 Borrower has 19.17 |  | 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 | 6360638 |
| XXXX | 856437 | XXXX D B C A | Closed | finding-3613 | 2025-11-19 14:10 | 2025-11-24 09:07 | Resolved | 1 - Information C A | Compliance | TRID | TRID Disclosure Delivery and Receipt Date Validation Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. DOCUMENT UPLOADED - Seller-11/21/2025 <br> Open-This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. ----Revised LE XXXXis not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. DOCUMENT UPLOADED - Seller-11/21/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 784 Required is 680 Borrower has 784<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 19.17% Required is 50 Borrower has 19.17 |  | 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 | 6309464 |
| XXXX | 856644 | XXXX C B A | Closed | FPRO9999 | 2025-11-20 11:07 | 2025-12-17 17:13 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Litigation appears to be foreclosure proceeding against another owner and issues between them, nothing that affects the subject - Due Diligence Vendor-12/17/2025 <br> Ready for Review-In the attorney's letter summarizing the litigations that the association is involved in, it states the association filed an Association Foreclosure Matter on a unit (this would make the Association the Plaintiff). The Owner filed their answer and counterclaim and in it asserted: "…breached the Declaration by failing to maintain the elevators and by allowing Airbnb rentals and crimes to take place…" The Association filed a counterclaim/rebuttal to the allegation. This is a countersuit. The attorney's letter states the owner had an additional mortgage foreclosure lawsuit filed by the current first mortgage holder. Finally, this falls under the multiple exceptions where FNMA allows litigation as listed below:<br>If the lender determines that pending litigation involves minor matters with no impact on the safety, structural soundness, habitability, or functional use of the project, the project is eligible provided the litigation meets one or more of the following:<br> - litigation for which the insurance carrier has agreed to provide the defense, and the amount is covered by the HOA's or co-op corporation's insurance;<br> - the HOA or co-op corporation is the plaintiff in the litigation and upon investigation and analysis the lender has reasonably determined the matter is minor and will result in an insignificant impact to the financial stability of the project;<br> - litigation concerning localized damage to a unit in the project that does not impact the overall safety, structural soundness, habitability, or functional use of the project; or<br> - the HOA or co-op corporation is named as the plaintiff in a foreclosure action, or as a plaintiff in an action for past due HOA or co-op assessments. - Seller-12/16/2025 <br> Counter-Received attorney letter-missing provide litigation documents- The litigation is specific to Safety and security of the associations building due to occurances of violent crimes and inoperable elevators. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025 <br> Open-The condo project has pending litigation. The condo project has pending litigation, provide litigation documents. - Due Diligence Vendor-11/20/2025 | Ready for Review-In the attorney's letter summarizing the litigations that the association is involved in, it states the association filed an Association Foreclosure Matter on a unit (this would make the Association the Plaintiff). The Owner filed their answer and counterclaim and in it asserted: "…breached the Declaration by failing to maintain the elevators and by allowing XXXX rentals and crimes to take place…" The Association filed a counterclaim/rebuttal to the allegation. This is a countersuit. The attorney's letter states the owner had an additional mortgage foreclosure lawsuit filed by the current first mortgage holder. Finally, this falls under the multiple exceptions where FNMA allows litigation as listed below:<br>If the lender determines that pending litigation involves minor matters with no impact on the safety, structural soundness, habitability, or functional use of the project, the project is eligible provided the litigation meets one or more of the following:<br> - litigation for which the insurance carrier has agreed to provide the defense, and the amount is covered by the HOA's or co-op corporation's insurance;<br> - the HOA or co-op corporation is the plaintiff in the litigation and upon investigation and analysis the lender has reasonably determined the matter is minor and will result in an insignificant impact to the financial stability of the project;<br> - litigation concerning localized damage to a unit in the project that does not impact the overall safety, structural soundness, habitability, or functional use of the project; or<br> - the HOA or co-op corporation is named as the plaintiff in a foreclosure action, or as a plaintiff in an action for past due HOA or co-op assessments. - Seller-12/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025 | Resolved-Litigation appears to be foreclosure proceeding against another owner and issues between them, nothing that affects the subject - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.55 |  | 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 | 6322130 |
| XXXX | 856644 | XXXX C B A | Closed | FCRE1194 | 2025-11-20 23:39 | 2025-12-01 13:14 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for LTV - Max LTV = 85% - to allow 90 ltv non warrantable condo, applied to non material finding with comp factors - 5% LTV Exception<br> - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Fidelity coverage finding was cleated. Please clear this finding. - Seller-11/25/2025 <br> Counter-Received exception-pending confirmation of sufficient fidelity coverage and litigation documentation for condo. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025 <br> Open-Audited LTV of 90% exceeds Guideline LTV of 85% 85% max LTV for Non Warrantable Condo in XXXX. - Due Diligence Vendor-11/21/2025 | Ready for Review-Fidelity coverage finding was cleated. Please clear this finding. - Seller-11/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025 | Waived-Originator provided a waiver for LTV - Max LTV = 85% - to allow 90 ltv non warrantable condo, applied to non material finding with comp factors - 5% LTV Exception<br> - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.55 | qualifying fico is at least 20 points above minimum for program<br> 24 mth credit history exceeds minimum required<br> Years on Job = 30 | 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 | 6335181 |
| XXXX | 856644 | XXXX C B A | Closed | FCRE0108 | 2025-11-20 11:26 | 2025-11-25 14:39 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Master policy reflecting Directors and offers coverage in addition to dishonesty coverage. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-The previously attached master insurance policy reflects employee dishonesty $5,000,000 and D&O for $2,000,000 for a total of $7,000,000 which exceeds the required amount per guidelines. - Seller-11/24/2025 <br> Counter-XXXX coverage of $5 mil is short required XXXX. Finding remains. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. The attached master insurance policy includes XXXX/employee dishonesty and D&O for $7,000,000 which exceeds the required amount per guidelines. - Seller-11/21/2025 <br> Open-XXXX Coverage not met. XXXX Coverage Missing from the Master policy. - Due Diligence Vendor-11/20/2025 | Ready for Review-The previously attached master insurance policy reflects employee dishonesty $5,000,000 and D&O for $2,000,000 for a total of $7,000,000 which exceeds the required amount per guidelines. - Seller-11/24/2025 <br>Ready for Review-Document Uploaded. The attached master insurance policy includes fidelity/employee dishonesty and D&O for $7,000,000 which exceeds the required amount per guidelines. - Seller-11/21/2025<br>| Resolved-Received Master policy reflecting Directors and offers coverage in addition to dishonesty coverage. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.55 |  | 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 | 6323053 |
| XXXX | 856961 | XXXX C A | Closed | finding-2962 | 2025-11-19 15:04 | 2025-11-25 14:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-HPML loans where there is an appraisal and impounds on a first lien loan. this has both - Due Diligence Vendor-11/25/2025 <br> Ready for Review-XXXX allows HPML loans where there is an appraisal and impounds on a first lien loan. this has both, and we have not been conditioned this before. Please clear. - Seller-11/22/2025 <br> Open-This loan failed the XXXX higher-priced mortgage loan test. (XXXXUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX.While the XXXX 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. - Due Diligence Vendor-11/19/2025 | Ready for Review-XXXX allows HPML loans where there is an appraisal and impounds on a first lien loan. this has both, and we have not been conditioned this before. Please clear. - Seller-11/22/2025 | Resolved-HPML loans where there is an appraisal and impounds on a first lien loan. this has both - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.11 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6310551 |
| XXXX | 856964 | XXXX C A | Closed | FCRE5790 | 2025-11-20 11:09 | 2025-11-25 15:19 | 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, UDM is not expired. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. 11.21 Please see page 213, screenshot attached shows date DV updated and Loan closed 11.17 - Seller-11/22/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). gap report 12 days from closing - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. 11.21 Please see page 213, screenshot attached shows date DV updated and Loan closed XXXX - Seller-11/22/2025 | Resolved-Upon further review, UDM is not expired. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - required is 660 FICO - actual FICO is 802. Required is 660 Borrower has 802<br>Qualifying DTI below maximum allowed - Maximum DTI is 50% - actual DTI is 32.53%. Required is 50 Borrower has 32.53 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6322162 |
| XXXX | 856965 | XXXX C A | Closed | finding-3540 | 2025-11-20 05:56 | 2025-11-24 10:03 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. COC UPLOADED - CHANGES/AMOUNT NOT SPECIFIED - Seller-11/21/2025 <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"XXXX" 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. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. COC UPLOADED - CHANGES/AMOUNT NOT SPECIFIED - Seller-11/21/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 757 Required is 720 Borrower has 757<br>Qualifying DTI below maximum allowed - 26.41 DTI well below max allowed of 45% Required is 45 Borrower has 26.41 |  | 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 | 6316829 |
| XXXX | 857050 | XXXX D A | Closed | FCRE5790 | 2025-11-20 20:38 | 2025-11-24 13:33 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 314-331 and attached herein. - Seller-11/21/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 314-331 and attached herein. - Seller-11/21/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 804 Required is 700 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.51 Required is 50 Borrower has 39.51<br>Months Reserves exceed minimum required - 3 MONTHS REQUIRED AND THE BORROWER HAS 13.13 MONTHS |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6334786 |
| XXXX | 857050 | XXXX D A | Closed | FCRE1161 | 2025-11-20 20:12 | 2025-11-24 13:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 505 and attached herein. - Seller-11/21/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 505 and attached herein. - Seller-11/21/2025<br>| Resolved-Received flood cert. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 804 Required is 700 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.51 Required is 50 Borrower has 39.51<br>Months Reserves exceed minimum required - 3 MONTHS REQUIRED AND THE BORROWER HAS 13.13 MONTHS |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6334732 |
| XXXX | 857052 | XXXX C A | Closed | finding-3634 | 2025-11-19 15:45 | 2025-12-02 08:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-CURE OF $142.44 WAS DONE ON FINAL CD. PLEASE REVIEW CALCULATIONS. FINAL CD UPLOADED - Seller-12/01/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $143.38.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 $143.38 (Credit report and Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $142.88, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations XXXX. (Transfer Tax tolerance of .25 is due to rounding) - Due Diligence Vendor-11/19/2025 | Ready for Review-CURE OF $142.44 WAS DONE ON FINAL CD. PLEASE REVIEW CALCULATIONS. FINAL CD UPLOADED - Seller-12/01/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/02/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $9,192.88 residual income is more than 6x the minimum of $1,500 required.<br>Qualifying DTI below maximum allowed - DTI of 36.44% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 36.44 |  |  | 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 | 6311449 |
| XXXX | 857052 | XXXX C A | Closed | finding-3540 | 2025-11-19 15:45 | 2025-12-02 08:05 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. CURE WAS DONEON FINAL CD FOR $142.44. PLEASE REVIEW CALCULATION & ADVISE. FINAL CE UPLOADED - Seller-12/01/2025 <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"XXXX" 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. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. CURE WAS DONEON FINAL CD FOR $142.44. PLEASE REVIEW CALCULATION & ADVISE. FINAL CE UPLOADED - Seller-12/01/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/02/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $9,192.88 residual income is more than 6x the minimum of $1,500 required.<br>Qualifying DTI below maximum allowed - DTI of 36.44% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 36.44 |  | 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 | 6311445 |
| XXXX | 857059 | XXXX C B A | Closed | FCRE6618 | 2025-11-21 13:36 | 2025-12-08 17:24 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached 1003. - Seller-12/05/2025 <br> Counter-Received VOR. Missing updated 1003. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/04/2025 <br> Open-Missing a full 2 year address history on the 1003 - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Please see attached 1003. - Seller-12/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/04/2025<br>| Resolved-Received revised 1003. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.14 |  | 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 | 6345126 |
| XXXX | 857059 | XXXX C B A | Closed | FCRE6873 | 2025-11-21 13:45 | 2025-12-01 13:17 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received Processor's Cert confirming contacted borrower, verified information, and verified applied for new mortgage. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/25/2025 <br> Open-No processor cert found - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/25/2025<br>| Resolved-Received Processor's Cert confirming contacted borrower, verified information, and verified applied for new mortgage. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.14 |  | 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 | 6345272 |
| XXXX | 857059 | XXXX C B A | Closed | FCRE1198 | 2025-11-20 14:23 | 2025-11-25 15:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025 <br> Open-Audited Reserves of 5.81 month(s) are less than Guideline Required Reserves of 9 month(s) 9 months reserves required due to loan amount - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.14 | Dti 5% below max<br> credit history 0x30 24months | 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 | No | 6330182 |
| XXXX | 857059 | XXXX C B A | Closed | FCOM1978 | 2025-11-20 10:24 | 2025-11-25 08:38 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received acknowledgement that borrower received and signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025 <br> Open-------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/21/2025<br>| Resolved------Received acknowledgement that borrower received and signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.14 |  | 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 | 6321219 |
| XXXX | 857061 | XXXX D A | Closed | FCRE1510 | 2025-11-20 09:24 | 2025-11-25 15:23 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see attached copy - Seller-11/22/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description from the Mortgage Document (Deed of Trust). - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Please see attached copy - Seller-11/22/2025<br>| Resolved-Received DOT w/Legal - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.11 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6319447 |
| XXXX | 857061 | XXXX D A | Closed | FCRE6019 | 2025-11-21 12:56 | 2025-11-25 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Upon further review, copy of the back of the card is not required by the guidelines. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Please see supervisor, not valid; Lender notes it appears this finding has come up often and each response has been the back of the EAD card is not required. The XXXX Guidelines do not require the back of the EAD card. Please clear - Seller-11/22/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing a copy of the back of the borrower's EAD card<br> - Due Diligence Vendor-11/21/2025 | Ready for Review-Please see supervisor, not valid; Lender notes it appears this finding has come up often and each response has been the back of the EAD card is not required. The XXXX Guidelines do not require the back of the EAD card. Please clear - Seller-11/22/2025 | Resolved-Upon further review, copy of the back of the card is not required by the guidelines. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.11 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6344347 |
| XXXX | 857839 | XXXX C A | Closed | finding-3634 | 2025-11-20 10:05 | 2025-11-25 08:20 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received information that the initial disclose fee for the credit report was $75.03, which increase to $79.52, lender credit on Final CD of $4.49 is enough to cover the increase as .03 is not shown on the LE. Finding Resolved. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. SEE EXPLANATION - Seller-11/24/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $4.52.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $0.03 (Credit Report 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 $0.03, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX.<br>----- lender credits for closing above legal limit applied. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. SEE EXPLANATION - Seller-11/24/2025<br>| Resolved------Received information that the initial disclose fee for the credit report was $75.03, which increase to $79.52, lender credit on Final CD of $4.49 is enough to cover the increase as .03 is not shown on the LE. Finding Resolved. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum require FICO score 660 - actual FICO score 756. Required is 660 Borrower has 756<br>LTV is less than guideline maximum - Maximum allowable LTV is 80% - actual LTV is 70%. Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Maximum allowable DTI is 50% - actual DTI is 35.17%. Required is 50 Borrower has 35.17 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6320623 |
| XXXX | 858417 | XXXX C B A | Closed | FCRE1194 | 2025-11-25 16:56 | 2025-11-25 17:07 | 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 due <= 5%. - Due Diligence Vendor-11/25/2025 <br> Open-Audited LTV of 65% exceeds Guideline LTV of 60% Max LTV 60% on Condotel - Due Diligence Vendor-11/25/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non material due <= 5%. - Due Diligence Vendor-11/25/2025<br>| Months Reserves exceed minimum required - 2.1 months reserves exceed required 0 months.<br>DSCR % greater than 1.20 - Rule False DSCR is 1.313 | DSCR > 1.2<br> >10% reduction in P&I<br> 0x30x12 mtg History |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6390807 |
| XXXX | 858417 | XXXX C B A | Closed | FCRE1200 | 2025-11-24 19:21 | 2025-11-25 17:07 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted, waiver applied with comp factors. Deemed non material. - Due Diligence Vendor-11/25/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 - Due Diligence Vendor-11/25/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non material. - Due Diligence Vendor-11/25/2025<br>| Months Reserves exceed minimum required - 2.1 months reserves exceed required 0 months.<br>DSCR % greater than 1.20 - Rule False DSCR is 1.313 | DSCR > 1.2<br> >10% reduction in P&I<br> 0x30x12 mtg History |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6375153 |
| XXXX | 858423 | XXXX C A | Closed | FCRE0184 | 2025-11-23 21:01 | 2025-11-25 15:11 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Borrower Certification of Business Purpose. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. Please see attached Borrower Cert of Business Purpose. Please clear this finding. - Seller-11/24/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing the Cash Out Letter. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see attached Borrower Cert of Business Purpose. Please clear this finding. - Seller-11/24/2025<br>| Resolved-Received Borrower Certification of Business Purpose. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700 Borrower has 789 Required is 700 Borrower has 789<br>Months Reserves exceed minimum required - 34.47 months reserves; 6 months reserves required<br>DSCR % greater than 1.20 - DSCR min is 1.20-- Borrower's DSCR 1.24 Required is 0 Borrower has 1.24 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6356903 |
| XXXX | 858433 | XXXX D A | Closed | FCOM1221 | 2025-11-24 08:10 | 2025-12-08 16:54 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Upon further review, spouse vested on title is not required to sign the Mortgage for non-homestead property - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. not valid finding, please see attached correspondence concerning the NOO/ Investment (subject property) located in XXXX - Seller-12/04/2025 <br> Counter-The Deed of Trust is Incomplete Missing the signature of XXXX, as she is listed as one of the borrowers on the Mortgage - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Please clear, the vesting may show H&W with the spouse on title, does not require a quitclaim deed, and the subject mortgage loan is only in XXXX name and that is the only required signature, whom is legally obligated on the loan - Seller-11/29/2025 <br> Counter-Deed of Trust and email from title page 764 of PDF indicated vesting in the name of XXXX, husband and wife. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Disagree, only one borrower (XXXX) is on the loan for the Note and Mortgage. No further docs needed, please clear - Seller-11/25/2025 <br> Open-The Deed of Trust is Incomplete Missing the signature of XXXX, as she is listed as one of the borrowers on the Mortgage. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. not valid finding, please see attached correspondence concerning the NOO/ Investment (subject property) located in XXXX - Seller-12/04/2025 <br> Ready for Review-Please clear, the vesting may show H&W with the spouse on title, does not require a quitclaim deed, and the subject mortgage loan is only in XXXX name and that is the only required signature, whom is legally obligated on the loan - Seller-11/29/2025 <br> Ready for Review-Disagree, only one borrower (XXXX) is on the loan for the Note and Mortgage. No further docs needed, please clear - Seller-11/25/2025 | Resolved-Upon further review, spouse vested on title is not required to sign the Mortgage for non-homestead property - Due Diligence Vendor-12/08/2025<br>| Months Reserves exceed minimum required - Min reserves erq'd 9 mths--- Borrower has 81.24 months in reerves<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 10.16 Required is 50 Borrower has 10.16 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6359827 |
| XXXX | 858433 | XXXX D A | Closed | FCRE1162 | 2025-11-24 08:04 | 2025-11-26 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Received flood insurance receipt. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see page 590, receipt was provided reflects paid by credit card. Also see attached - Seller-11/25/2025 <br> Open-Flood Certificate is Partially Provided Missing proof that the Flood Insurance was paid. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see page 590, receipt was provided reflects paid by credit card. Also see attached - Seller-11/25/2025<br>| Resolved-Received flood insurance receipt. - Due Diligence Vendor-11/26/2025<br>| Months Reserves exceed minimum required - Min reserves erq'd 9 mths--- Borrower has 81.24 months in reerves<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 10.16 Required is 50 Borrower has 10.16 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6359785 |
| XXXX | 858433 | XXXX D A | Closed | FCRE1181 | 2025-11-24 08:04 | 2025-11-26 13:50 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received esigned verification - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see attached tracking system captured signed disclosures dates, this is used as sufficient tracking that meets the requirements - Seller-11/25/2025 <br> Open-Subject Property is in Flood Zone AE but Notice of Special Flood Hazard Disclosure was not provided Missing the signed Notice of Special Flood Hazard Disclosure. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see attached tracking system captured signed disclosures dates, this is used as sufficient tracking that meets the requirements - Seller-11/25/2025<br>| Resolved-Received esigned verification - Due Diligence Vendor-11/26/2025<br>| Months Reserves exceed minimum required - Min reserves erq'd 9 mths--- Borrower has 81.24 months in reerves<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 10.16 Required is 50 Borrower has 10.16 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6359779 |
| XXXX | 858474 | XXXX C A | Closed | FCRE1206 | 2025-11-24 13:44 | 2025-11-26 13:16 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/25/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser to be added to the loan participant list. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/25/2025<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 731 which exceeds the minimum of 660. Required is 660 Borrower has 731<br>LTV is less than guideline maximum - LTV of 26.88% is below the maximum of 80% allowed per guidelines. Required is 80 Borrower has 26.88<br>Qualifying DTI below maximum allowed - DTI of 39.59% is below the maximum allowed per guidelines of 50%. Required is 50 Borrower has 39.59 |  | 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 | 6368777 |
| XXXX | 858520 | XXXX D A C | Closed | FCRE5790 | 2025-11-24 13:05 | 2026-02-03 21:33 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received credit refresh. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Please see attached Gap Report. The inquiries made XXXX is the Broker that worked on this file while XXXX is the credit company. No issues found. - Seller-01/02/2026 <br> Counter-Received page 1 of fraud report-please provide UDM within 10 days of closing-updated fraud report or UDM report. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached Final DV Run Date is XXXX. Please clear this finding. - Seller-11/28/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). XXXX report needs to be rerun - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see attached Gap Report. The inquiries made 11-05-25 with XXXX is the Broker that worked on this file while XXXX is the credit company. No issues found. - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. Please see attached Final DV Run Date is XXXX. Please clear this finding. - Seller-11/28/2025 | Resolved-Received credit refresh. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 229.78 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.71<br>LTV is less than guideline maximum - Required is 85 Borrower has 44.12 |  | 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 | 6367612 |
| XXXX | 858520 | XXXX D A C | Closed | FCRE7497 | 2025-11-24 12:51 | 2025-12-03 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Ready for Review-Please see attached 3c XXXX mortgage statement showing taxes and insurance are impounded including an HOA statement. Also, attached is a copy of the HOI and property tax for 3D XXXX. Please clear this finding. - Seller-12/02/2025 <br> Open-Missing the HOI & HOA (if applicable) for properties 3c & 3d. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Ready for Review-Please see attached 3c XXXX mortgage statement showing taxes and insurance are impounded including an HOA statement. Also, attached is a copy of the HOI and property tax for 3D XXXX. Please clear this finding. - Seller-12/02/2025 | Resolved-Received PITIA validation. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 229.78 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.71<br>LTV is less than guideline maximum - Required is 85 Borrower has 44.12 |  | 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 | 6367337 |
| XXXX | 858520 | XXXX D A C | Closed | FCOM9998 | 2025-11-21 16:08 | 2025-11-26 07:54 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. DOCUMENT UPLOADED - Seller-11/25/2025 <br> Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. DOCUMENT UPLOADED - Seller-11/25/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 229.78 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.71<br>LTV is less than guideline maximum - Required is 85 Borrower has 44.12 |  | 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 | 6347633 |
| XXXX | 858520 | XXXX D A C | Closed | finding-3634 | 2025-11-21 14:31 | 2025-11-26 07:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. document uploaded showing fee in Block C - Seller-11/25/2025 <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 $23.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $23.00. (Recording Service 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 $23.00., post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year; Expiration Date: XXXX.<br> - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. document uploaded showing fee in Block C - Seller-11/25/2025<br>| Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 710<br>Months Reserves exceed minimum required - 229.78 mos reserves; 6 mos required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.71<br>LTV is less than guideline maximum - Required is 85 Borrower has 44.12 |  | 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 | 6346152 |
| XXXX | 858527 | XXXX D A | Closed | FCRE0082 | 2025-11-25 11:48 | 2025-12-01 17:25 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received quit claim deed. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached executed Quit Claim Deed from XXXX - Seller-11/26/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing executed Quit Claim Deed from XXXX (copy provided is not executed) - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached executed Quit Claim Deed from XXXX - Seller-11/26/2025 | Resolved-Received quit claim deed. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below maximum allowed - 39.75% DTI below max allowed of 50% Required is 50 Borrower has 39.15<br>Months Reserves exceed minimum required - 15.18 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6384974 |
| XXXX | 858527 | XXXX D A | Closed | FCRE7497 | 2025-11-24 16:04 | 2025-12-01 17:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD for each property. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CD for REO's 3aa- located at XXXX. Also, Final CD for REO 3ac-XXXX. - Seller-11/26/2025 <br> Open-Missing info for multiple REO's 3aa-Mtg St & HOI; 3ac-Mtg St; May be variance in DTI pending docs. - Due Diligence Vendor-11/25/2025 | ` | Resolved-Received CD for each property. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below maximum allowed - 39.75% DTI below max allowed of 50% Required is 50 Borrower has 39.15<br>Months Reserves exceed minimum required - 15.18 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6371720 |
| XXXX | 858530 | XXXX D A | Closed | FCRE1506 | 2025-11-25 07:17 | 2025-12-01 15:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached credit report. - Seller-11/25/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing credit report - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached credit report. - Seller-11/25/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/01/2025<br>| Months Reserves exceed minimum required - 12 months minimum reserves required, borrower has 61 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.97 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6378989 |
| XXXX | 858530 | XXXX D A | Closed | FCRE1505 | 2025-11-25 06:49 | 2025-12-01 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Credit report received. The Tradelines for the borrower(s) meets the guideline requirements - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached credit report. - Seller-11/25/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Credit Report is missing - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached credit report. - Seller-11/25/2025<br>| Resolved-Credit report received. The Tradelines for the borrower(s) meets the guideline requirements - Due Diligence Vendor-12/01/2025<br>| Months Reserves exceed minimum required - 12 months minimum reserves required, borrower has 61 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.97 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6378743 |
| XXXX | 858530 | XXXX D A | Closed | FCRE5770 | 2025-11-25 06:49 | 2025-12-01 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit report received. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached credit report. - Seller-11/25/2025 <br> Open-Borrower 1 Credit Report is Missing. Not found in upload - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached credit report. - Seller-11/25/2025<br>| Resolved-Credit report received. - Due Diligence Vendor-12/01/2025<br>| Months Reserves exceed minimum required - 12 months minimum reserves required, borrower has 61 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 804<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.97 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6378744 |
| XXXX | 858532 | XXXX C A | Closed | finding-3634 | 2025-11-24 08:14 | 2025-11-25 12:04 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------ Zero (0%) tolerance fees increased by $1.33 (Credit Report Fee) without a valid COC in file. Lender credit of $1.50 on final CD. Finding resolved - Due Diligence Vendor-11/25/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1.33.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $1.33 (Credit Report Fee) without a valid COC in file. Lender credit of $1.50 on final CD. Finding resolved - Due Diligence Vendor-11/24/2025 |  | Resolved------ Zero (0%) tolerance fees increased by $1.33 (Credit Report Fee) without a valid COC in file. Lender credit of $1.50 on final CD. Finding resolved - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 784 Required is 700 Borrower has 784<br>Qualifying DTI below maximum allowed - Not used Required is 50 Borrower has 38.22<br>LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 64.79% Required is 80 Borrower has 64.79 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6359850 |
| XXXX | 858541 | XXXX C A | Closed | FCRE1440 | 2025-11-25 10:37 | 2025-12-02 09:14 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received rent free letter. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see attached rent free letter with evidence of ownership. - Seller-11/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing rent free letter. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached rent free letter with evidence of ownership. - Seller-11/26/2025<br>| Resolved-Received rent free letter. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual FICO score is 754. Required is 640 Borrower has 754<br>Months Reserves exceed minimum required - Required reserves are 0 months - actual reserves are 8.88 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6382358 |
| XXXX | 858545 | XXXX C A | Closed | FCRE0183 | 2025-11-24 08:24 | 2025-12-03 13:24 | Resolved | 1 - Information C A | Credit | Eligibility | Required Spousal Consent to Pledge form is missing | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Spouse consent form does not pertain to this transaction, not applicable to our file as this was purchased under a corporation. - Seller-12/01/2025 <br> Counter-No document provided. Although vested in LLC, XXXX is a community property state. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Please clear, finding N/A - Seller-11/24/2025 <br> Open-The required spousal consent to pledge form is missing. N/A - Due Diligence Vendor-11/24/2025 | Ready for Review-Spouse consent form does not pertain to this transaction, not applicable to our file as this was purchased under a corporation. - Seller-12/01/2025 <br>Ready for Review-Please clear, finding N/A - Seller-11/24/2025<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-12/03/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 18 months.<br>Months Reserves exceed minimum required - Verified assets of 10.7 months exceeds the minimum required of 2 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6359958 |
| XXXX | 858549 | XXXX D B A | Closed | FCRE1372 | 2025-11-24 10:35 | 2025-11-24 10:42 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 Business Bank Statements Missing | Waived-Originator waiver applied to non material finding with comp factors. Have 11 months statements and income averaged over 12 months.<br> - Due Diligence Vendor-11/24/2025 <br> Open-Borrower 2 Business Bank Statements Missing Missing XXXX statement - Due Diligence Vendor-11/24/2025 |  | Waived-Originator waiver applied to non material finding with comp factors. Have 11 months statements and income averaged over 12 months.<br> - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 FICO score required - actual FICO score is 771. Required is 660 Borrower has 790<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 50% - actual DT is 24.23% Required is 50 Borrower has 24.23 |  |  | 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 | 6362413 |
| XXXX | 858550 | XXXX C B A | Closed | FCRE1193 | 2025-11-24 17:14 | 2025-12-02 17:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for a 53.71% DTI, max 50%. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Please see attached<br> - Seller-12/02/2025 <br> Counter-Updated income calcs received, no 1003, 1008 or exception was uploaded. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Please see updated Income Calc which supports monthly income of $36,206.88/mth. Based on recalculated income, DTI increased to 54.047%. Attached, is a copy of the updated 1003 and 1008 along with an exception allowing the loan to be approved up to a 55% DTI. Can this please be cleared? - Seller-11/28/2025 <br> Open-Audited DTI of 55.78% exceeds Guideline DTI of 50% - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached<br> - Seller-12/02/2025 <br>Ready for Review-Document Uploaded. Please see updated Income Calc which supports monthly income of $36,206.88/mth. Based on recalculated income, DTI increased to 54.047%. Attached, is a copy of the updated 1003 and 1008 along with an exception allowing the loan to be approved up to a 55% DTI. Can this please be cleared? - Seller-11/28/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Exception for a 53.71% DTI, max 50%. - Due Diligence Vendor-12/02/2025<br>| LTV is less than guideline maximum - Rule False<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 709 Required is 680 Borrower has 709 | Residual income of $16,758 per month<br> 24 month credit history<br> 709 fico | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6373372 |
| XXXX | 858595 | XXXX D A | Closed | FCRE1252 | 2025-11-24 20:59 | 2025-11-26 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Updated Title. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/25/2025 <br> Open-Title Document is Incomplete Missing a copy of the Title that is not corrupted. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/25/2025<br>| Resolved-Received Updated Title. - Due Diligence Vendor-11/26/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 6 mths- Borrower has 30.86 mths <br>Verified employment history exceeds guidelines - Borrower at employer 8+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6375968 |
| XXXX | 863814 | XXXX D B A C | Closed | finding-3634 | 2025-11-24 10:56 | 2025-12-02 08:21 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. REQUESTED DOCUMENTS FOR CURE - Seller-12/01/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $86.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ---------Zero (0%) tolerance fees increased by $86.50 Verification 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 $86.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. REQUESTED DOCUMENTS FOR CURE - Seller-12/01/2025<br>| Resolved------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/02/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795<br>Months Reserves exceed minimum required - 60.2 mos reserves; 9 mos required |  | 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 | 6362885 |
| XXXX | 863814 | XXXX D B A C | Closed | FCRE7806 | 2025-11-25 08:39 | 2025-12-01 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Upon further review the 1008 had Income breakdown. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-We respectfully disagree. The 1008 included commentary by the UW for the income used for qualification; " ASSET UTILIZATION + W2 WAGES + RENTAL INCOME, OTHER income is asset utilization, INCOME: using 50% of XXXX retirement accts for ASSET DEPLETION, $312010 / 60 = $5200/mo for asset utilization, Base wages used for both borrowers, 2 months receipt and leases used for rental income at 100%" - Seller-11/25/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the Lender's Income Calculation Worksheet for Borrower 1 and REO. - Due Diligence Vendor-11/25/2025 | Ready for Review-We respectfully disagree. The 1008 included commentary by the UW for the income used for qualification; " ASSET UTILIZATION + W2 WAGES + RENTAL INCOME, OTHER income is asset utilization, INCOME: using 50% of XXXX retirement accts for ASSET DEPLETION, $312010 / 60 = $5200/mo for asset utilization, Base wages used for both borrowers, 2 months receipt and leases used for rental income at 100%" - Seller-11/25/2025 | Resolved-Upon further review the 1008 had Income breakdown. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795<br>Months Reserves exceed minimum required - 60.2 mos reserves; 9 mos required |  |  | 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 | 6379920 |
| XXXX | 863814 | XXXX D B A C | Closed | FCRE1252 | 2025-11-25 12:28 | 2025-12-01 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Legible Title Document was Provided And Complete - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/25/2025 <br>Open-Title Document is Incomplete Title document is corrupted and is not legible - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/25/2025<br>| Resolved-Legible Title Document was Provided And Complete - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795<br>Months Reserves exceed minimum required - 60.2 mos reserves; 9 mos required |  | 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 | 6385830 |
| XXXX | 863814 | XXXX D B A C | Closed | FCOM1353 | 2025-11-24 13:24 | 2025-11-24 13:24 | 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'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/24/2025 |  | 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'). -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/24/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.64<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 795<br>Months Reserves exceed minimum required - 60.2 mos reserves; 9 mos required |  |  | 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 | Yes | 6368267 |
| XXXX | 864313 | XXXX D A | Closed | FCRE1764 | 2025-11-24 21:34 | 2025-12-23 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Property Profile and HOI indicate Owned by LLC - Borrower not responsible - Due Diligence Vendor-12/23/2025 <br> Ready for Review-HOI reflecting borrower for Business obligated property is not a finding... please clear as soon as possible, REO docs provided verify not personally obligated, and no further docs are required<br> - Seller-12/21/2025 <br> Counter-Missing . Property XXXX: Provide docs to verify terms of Mtg and HOI premium. HOI reflects borrower as insured. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-please clear as soon as possible, REO docs provided verify not personally obligated, and no further docs are required - Seller-12/18/2025 <br> Counter-No new documents uploaded. Property XXXX disclosed on 1003. Finding remains. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. property XXXXis not owned by the borrower personally (owned by business). please clear - Seller-12/09/2025 <br> Counter-Received final CD for XXXX. Missing HOI for XXXX- Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CDs for REOs 1-3 and property 4 is not owned by the borrower personally (owned by business). - Seller-11/26/2025 <br> Open-1. Property XXXX: Provide docs to verify terms of Mtg & escrows.<br> 2. Property XXXX: Provide docs to verify terms of Mtg & escrows. <br> 3. Property XXXX: Provide docs to verify terms of Mtg & escrows. <br> 4. Property XXXX): Provide docs to verify terms of Mtg and HOI premium. - Due Diligence Vendor-11/25/2025 | Ready for Review-HOI reflecting borrower for Business obligated property is not a finding... please clear as soon as possible, REO docs provided verify not personally obligated, and no further docs are required<br> - Seller-12/21/2025 <br> Ready for Review-please clear as soon as possible, REO docs provided verify not personally obligated, and no further docs are required - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. property XXXX is not owned by the borrower personally (owned by business). please clear - Seller-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CDs for REOs 1-3 and property 4 is not owned by the borrower personally (owned by business). - Seller-11/26/2025 | Resolved-Property Profile and HOI indicate Owned by LLC - Borrower not responsible - Due Diligence Vendor-12/23/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 126.54m<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 40.52% Required is 50 Borrower has 40.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6376265 |
| XXXX | 864313 | XXXX D A | Closed | FCRE7497 | 2025-11-25 14:07 | 2025-12-03 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CD - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. please see attached Property B XXXXFINAL CD amounts are impounded / escrowed - Seller-11/26/2025 <br> Open-Property B of 1003: Missing docs to verify HOI is included in mortgage payment of hoi statement to verify annual premium. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. please see attached Property B XXXX FINAL CD amounts are impounded / escrowed - Seller-11/26/2025 | Resolved-Received final CD - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 126.54m<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 40.52% Required is 50 Borrower has 40.52<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 713 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6387572 |
| XXXX | 864536 | XXXX C A | Closed | FCRE1510 | 2025-11-24 14:56 | 2025-12-03 12:16 | 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-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/30/2025 <br>Counter-Received copy of security instrument-missing legal description attached within chain. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. Please see attached Mortgage deed, riders and legal attached - Seller-11/25/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. "Exhibit A" not included in mortgage chain. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/30/2025 <br>Ready for Review-Document Uploaded. Please see attached Mortgage deed, riders and legal attached - Seller-11/25/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Required is 65 Borrower has 37.66 Required is 65 Borrower has 37.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 706 Required is 640 Borrower has 706 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6370344 |
| XXXX | 864644 | XXXX C A | Closed | FCRE1159 | 2025-11-25 12:18 | 2025-12-01 16:26 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Per Final CD and Settlement Statement the disbursement date was XXXX - Due Diligence Vendor-12/01/2025 <br> Ready for Review-The loan disbursed on XXXX; therefore, the HOI effective date is acceptable. - Seller-11/26/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-11/25/2025 | Ready for Review-The loan disbursed on XXXX; therefore, the HOI effective date is acceptable. - Seller-11/26/2025 | Resolved-Per Final CD and Settlement Statement the disbursement date was XXXX - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 782 Required is 700 Borrower has 782<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 2.32 Required is 0.8 Borrower has 1.312<br>LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6385640 |
| XXXX | 864653 | XXXX C B A | Closed | finding-3635 | 2025-11-24 17:28 | 2026-02-03 21:35 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. CURE DOCUMENTS UPLOADED - Seller-12/02/2025 <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% ($3,384.50) exceed the comparable charges ($2,583.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Lender's Title Insurance Policy) increased by $1,027.00 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 $543.20 (combined 10% tolerance variance), post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. CURE DOCUMENTS UPLOADED - Seller-12/02/2025<br>| Cured-Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-02/04/2026 | Qualifying DTI below maximum allowed - Guideline maximum DTI is 50.49%. Borrower's DTI is 33.58%. Required is 50.49 Borrower has 33.58<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score is 660. Borrower's qualifying FICO score is 749. Required is 660 Borrower has 749 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6374009 |
| XXXX | 864653 | XXXX C B A | Closed | FCRE1198 | 2025-11-25 14:26 | 2025-12-03 11:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for <6 months required reserves, applied to non material finding with comp factors - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with only 2 months reserves. - Seller-11/28/2025 <br>Open-Audited Reserves of 2.01 month(s) are less than Guideline Required Reserves of 6 month(s) Guidelines require 6 months of verified reserves. Borrower has 2.01 months of verified reserves after closing. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with only 2 months reserves. - Seller-11/28/2025<br>| Waived-Originator provided a waiver for <6 months required reserves, applied to non material finding with comp factors - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Guideline maximum DTI is 50.49%. Borrower's DTI is 33.58%. Required is 50.49 Borrower has 33.58<br>Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score is 660. Borrower's qualifying FICO score is 749. Required is 660 Borrower has 749 | FICO is 20 points above minimum require<br> DTI is 5% below maximum allowed. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 6387829 |
| XXXX | 864696 | XXXX D A | Closed | FCRE1158 | 2025-11-25 11:45 | 2025-12-01 16:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy received with correct Subject Address - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. Lender notes that the subject property is Not a Condominium located at XXXX. Please see attached HOI policy and RCE - Seller-11/26/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Fire Policy reflects a different address XXXX<br>Dwelling coverage is not sufficient - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Lender notes that the subject property is Not a Condominium located at XXXX. Please see attached HOI policy and RCE - Seller-11/26/2025 | Resolved-Hazard Insurance Policy received with correct Subject Address - Due Diligence Vendor-12/01/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.386 Required is 0.8 Borrower has 1.386<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763 Required is 700 Borrower has 763 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6384917 |
| XXXX | 864757 | XXXX D A | Closed | FCRE1317 | 2025-11-25 13:25 | 2025-12-29 12:33 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Upon further review, the loan file contained all required secondary employment documentation. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-We respectfully disagree. According to the Non-QM guidelines, section 5 Second/Part-time jobs may be used with no minimum employment history. - Seller-11/26/2025 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months B1 has only 9 months time at secondary employer does not meet the 12-24 months required and no evidence of prior schedule C job to offset the short time at this position. - Due Diligence Vendor-11/25/2025 | Ready for Review-We respectfully disagree. According to the Non-QM guidelines, section 5 Second/Part-time jobs may be used with no minimum employment history. - Seller-11/26/2025<br>| Resolved-Upon further review, the loan file contained all required secondary employment documentation. - Due Diligence Vendor-12/01/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 29.22m.<br>Long term residence - Borrowers 0X30 housing history verified since 2021. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6386835 |
| XXXX | 864757 | XXXX D A | Closed | FCRE0154 | 2025-11-25 13:48 | 2025-12-29 12:33 | Resolved | 1 - Information D A | Credit | Eligibility | Borrower 2 Gap Employment Letter Missing | Ready for Review-Received Gap Letter for B2. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/23/2025 <br> Counter-Received job gap letter executed by B1-missing for B2 - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE from borrower. - Seller-12/18/2025 <br> Counter-Review is unable to exclude weekends in employment gap-finding remains. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. The gap in employment was actually 47 days when excluding weekends and holidays (please see attached). It is reasonable to exclude those days specially considering that the borrower's last day at the previous job was during peak holiday season and the months of JXXXX contain several Federal and State holidays. - Seller-11/26/2025 <br> Open-Borrower 2 Gap Employment Letter Missing. B2: Provide Gap employment letter due to employment gap of 60+ days within 2 yr period. (Previous employment ended XXXX). - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/23/2025 <br>Ready for Review-Document Uploaded. Please see attached LOE from borrower. - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. The gap in employment was actually 47 days when excluding weekends and holidays (please see attached). It is reasonable to exclude those days specially considering that the borrower's last day at the previous job was during peak holiday season and the months of January and February contain several Federal and State holidays. - Seller-11/26/2025<br>|  | Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 29.22m.<br>Long term residence - Borrowers 0X30 housing history verified since 2021. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6387211 |
| XXXX | 864757 | XXXX D A | Closed | FCRE1506 | 2025-11-25 17:07 | 2025-12-02 09:01 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received acknowledgment HPML - Due Diligence Vendor-12/02/2025 <br>Ready for Review-We respectfully disagree. According to the Non-QM guidelines, section 5 Second/Part-time jobs may be used with no minimum employment history. - Seller-11/26/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-11/25/2025 | Ready for Review-We respectfully disagree. According to the Non-QM guidelines, section 5 Second/Part-time jobs may be used with no minimum employment history. - Seller-11/26/2025<br>| Resolved-Received acknowledgment HPML - Due Diligence Vendor-12/02/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 12m PITIA, borrower reserves 29.22m.<br>Long term residence - Borrowers 0X30 housing history verified since 2021. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6390938 |
| XXXX | 865513 | XXXX C B A | Closed | FCRE0140 | 2025-11-26 15:06 | 2025-11-26 15:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/26/2025 <br>Open-Lender exception to allow a First Time Homebuyer. - Due Diligence Vendor-11/26/2025 |  | Waived-Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual FICO score is 779. Required is 700 Borrower has 779<br>DSCR % greater than 1.20 - DSCR is 1.302, minimum required is 1 | Reserves 3+ months above minimum required<br> FICO is at least 20 points above minimum<br> DSCR greater than 1.20 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | N/A | 6407607 |
| XXXX | 865737 | XXXX D A C | Closed | FCRE5790 | 2025-11-26 13:52 | 2025-12-04 17:06 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Please refer to page 17 the previously attached DV which reflects UDM start date of XXXX. - Seller-12/03/2025 <br> Counter-Received duplicate fraud/UDM dated XXXX-please provide updated UDM within 10 days of closing. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of closing. Please see attached final DV. - Seller-11/26/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). UDM is over 10 days from closing. - Due Diligence Vendor-11/26/2025 | Ready for Review-Please refer to page 17 the previously attached DV which reflects UDM start date of XXXX. - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of closing. Please see attached final DV. - Seller-11/26/2025 | Resolved-Received UDM - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed IS 660 - actual FICO score is 788. Required is 660 Borrower has 788<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 55% - actual DTI is 44.76%. Required is 55 Borrower has 44.76 |  | 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 | 6405654 |
| XXXX | 865737 | XXXX D A C | Closed | FCOM5135 | 2025-11-26 09:22 | 2025-12-04 09:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-----Received PCCD moving fees into section C. Finding Resolved. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. FEES MOVED PER SSPL - Seller-12/02/2025 <br>Counter------There is a Payee on the Final CD in section B for title fees that is not listed on the SPL. Please provide an Affiliated Business Disclosure. Finding Remains. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/26/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. FEES MOVED PER SSPL - Seller-12/02/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/26/2025<br>| Resolved-----Received PCCD moving fees into section C. Finding Resolved. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed IS 660 - actual FICO score is 788. Required is 660 Borrower has 788<br>Qualifying DTI below maximum allowed - Maximum DTI allowed is 55% - actual DTI is 44.76%. Required is 55 Borrower has 44.76 |  | 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 | 6398614 |
| XXXX | 865764 | XXXX C A | Closed | FCRE0104 | 2025-11-26 09:58 | 2025-12-01 16:27 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Prepayment allowed on Investment Property in XXXX- Due Diligence Vendor-12/01/2025 <br> Ready for Review-I disagree. Under XXXX, "prepayment penalties on loans secured by real estate mortgages" are prohibited when the loan is for a single-family or two-family dwelling occupied (or to be occupied) by the borrower, or, in some cases, for short-term agricultural-land loans.XXXX. This loan is a DSCR C/O refi of an investment property thus the XXXX pre-payment does not apply since it is not a refinance of an owner - occupied property. Please clear this finding. - Seller-11/26/2025 <br> Open-Prepayment Penalty is not allowed. PPP is prohibited XXXX Due Diligence Vendor-11/26/2025 | Ready for Review-I disagree. Under XXXX "prepayment penalties on loans secured by real estate mortgages" are prohibited when the loan is for a single-family or two-family dwelling occupied (or to be occupied) by the borrower, or, in some cases, for short-term agricultural-land loans. XXXX. This loan is a DSCR C/O refi of an investment property thus the XXXX pre-payment does not apply since it is not a refinance of an owner - occupied property. Please clear this finding. - Seller-11/26/2025 | Resolved-Prepayment allowed on Investment Property in XXXX- Due Diligence Vendor-12/01/2025 | Months Reserves exceed minimum required - Verified assets of 38.15 months exceeds the minimum required of 6 months<br>On time mortgage history exceeds guideline requirement - 0x30x15 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6399326 |
| XXXX | 866118 | XXXX C B A | Closed | FCRE5790 | 2025-11-26 13:10 | 2025-12-04 17:26 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Please refer to page 17 of the previously attached DV which reflects UDM start date of XXXX. - Seller-12/03/2025 <br> Counter-Received duplicate fraud report-missing updated UDM or updated Fraud report. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. The DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of Note dated XXXX. Please see attached DV. - Seller-11/26/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing Drive or Credit refresh w/in 10 days of Note date - Due Diligence Vendor-11/26/2025 | Ready for Review-Please refer to page 17 of the previously attached DV which reflects UDM start date of XXXX. - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. The DV delivered with the loan file had the UDM monitoring started on XXXX. Please see attached DV. - Seller-11/26/2025 | Resolved-Received UDM - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.42<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 |  | 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 | 6404528 |
| XXXX | 866118 | XXXX C B A | Closed | finding-3652 | 2025-11-26 09:04 | 2025-12-04 09:41 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. cure documents uploaded - Seller-12/02/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($223.75). 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 $223.75 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $223.75, 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-11/26/2025 | Ready for Review-Document Uploaded. cure documents uploaded - Seller-12/02/2025<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/04/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.42<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 714 |  | 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 | 6398321 |
| XXXX | 866120 | XXXX C A | Closed | FCRE1510 | 2025-11-26 07:33 | 2025-12-03 12:00 | 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-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached DOT with Legal Description. - Seller-11/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. EX A Legal Description is missing - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see attached DOT with Legal Description. - Seller-11/27/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.41<br>Months Reserves exceed minimum required - 96.78 mos reserves; 0 required<br>LTV is less than guideline maximum - Required is 80 Borrower has 58.52 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6397199 |
| XXXX | 866134 | XXXX C B A | Closed | FCRE7896 | 2025-11-25 22:40 | 2026-01-08 09:28 | Resolved | 1 - Information C A | Property | Appraisal | Two of more full valuation products not provided for loan amounts between $XXXX and $XXXX | Resolved-Received BPO - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Please see attached BPO - Seller-12/11/2025 <br> Counter-Missing secondary valuation to meet guideline requirements. Finding remains. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Please Waive, Additional valuation is not required. UCDP completes Submission Summary Reports "SSR" for 1-4 residential properties, 5-10 properties do not have SSRs<br> - Seller-11/28/2025 <br> Open-Additional valuation product has not been provided and Loan Amount is: XXXX. Additional valuation not provided. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see attached BPO - Seller-12/11/2025 <br>Ready for Review-Please Waive, Additional valuation is not required. UCDP completes Submission Summary Reports "SSR" for 1-4 residential properties, 5-10 properties do not have SSRs<br> - Seller-11/28/2025<br>| Resolved-Received BPO - Due Diligence Vendor-12/12/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65<br>Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 6 Months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6393243 |
| XXXX | 866134 | XXXX C B A | Closed | FCRE1440 | 2025-11-25 23:07 | 2025-12-03 12:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non-material finding with compensating factors to allow FTHB no meeting the housing history requirement. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see exception used for final loan approval - Seller-11/28/2025 <br>Open-Housing History Does Not Meet Guideline Requirements; BORROWER IS FTHB - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see exception used for final loan approval - Seller-11/28/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors to allow FTHB no meeting the housing history requirement. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65<br>Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 6 Months | DSCR is 1.123<br> LTV is 5% or more below max allowed<br> Reserves are more than 3Months above min required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6393317 |
| XXXX | 866134 | XXXX C B A | Closed | FCRE1498 | 2025-11-25 23:28 | 2025-12-03 12:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator waiver applied to non-material finding with compensating factors- to allow for first time investor with having no experience (is a FTHB) - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see exception used for final loan approval - Seller-11/28/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see exception used for final loan approval - Seller-11/28/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors- to allow for first time investor with having no experience (is a FTHB) - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower has 65 Required is 75 Borrower has 65<br>Months Reserves exceed minimum required - Reserves = 18 months – Required Reserves = 6 Months | DSCR is 1.123<br> LTV is 5% or more below max allowed<br> Reserves are more than 3Months above min required | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6393376 |
| XXXX | 866140 | XXXX D A | Closed | FCRE2393 | 2025-11-26 12:45 | 2025-12-03 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Received REO taxes - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. please see attached XXXX property taxes due shows a slight increased amount XXXX monthly - Seller-11/26/2025 <br> Open-Property B: Provide verification of annual property taxes (Not escrowed). - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. please see attached XXXX property taxes due shows a slight increased amount XXXX monthly - Seller-11/26/2025 | Resolved-Received REO taxes - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 19.36% Required is 50 Borrower has 19.36<br>LTV is less than guideline maximum - Lender max LTV 90%, subject LTV 50.51% Required is 90 Borrower has 50.51<br>Qualifying FICO score is at least 20 points above minimum for program - not used Required is 620 Borrower has 745 |  | 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 | 6403989 |
| XXXX | 866289 | XXXX C A | Closed | FCRE1206 | 2025-11-26 18:43 | 2025-12-12 15:37 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM clearance. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-I disagree. As mentioned earlier we have provided all the information needed under the Loan Participant Analysis report and Sam. Gov. for all the participants for this loan file. To run another DV report just for loan participant analysis is not required. Please clear this finding or escalate to management. - Seller-12/10/2025 <br> Counter-Guidelines state - All parties involved in the transaction must be included in the fraud report performed by an automated fraud and data check vendor solution. Please provide a new report with the seller and appraiser. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-I disagree. Additional parties you mentioned are already noted in the Final DV Report under the Loan Participant Analysis. No need to run an additional DV report. Please clear this finding. - Seller-12/09/2025 <br> Counter-Received SAM. Guideline require Transaction participants Borrowers/Guarantors, Property Sellers, Brokers, Loan Officers, Appraisers, Real Estate Agents, Settlement Agent - Due Diligence Vendor-12/05/2025 <br> Ready for Review-I disagree. We run SAM.GOV exclusionary list for the Seller , and Appraiser that was missing from the loan participants list in lieu of the exclusionary lists of the XXXX. It is not required to run a DV in order to run the exclusionary list. Please clear this finding or escalate to management. - Seller-12/03/2025 <br> Counter-Received SAM searches-missing all required searches--All Interested Parties Not Checked with Exclusionary Lists Seller and appraiser missing from loan participants list. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached SAM.GOV exclusionary list for Seller - XXXX.. Results shows no matches found. - Seller-11/29/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Seller and appraiser missing from loan participants list. - Due Diligence Vendor-11/26/2025 | Ready for Review-I disagree. As mentioned earlier we have provided all the information needed under the Loan Participant Analysis report and Sam. Gov. for all the participants for this loan file. To run another DV report just for loan participant analysis is not required. Please clear this finding or escalate to management. - Seller-12/10/2025 <br> Ready for Review-I disagree. Additional parties you mentioned are already noted in the Final DV Report under the Loan Participant Analysis. No need to run an additional DV report. Please clear this finding. - Seller-12/09/2025 <br> Ready for Review-I disagree. We run SAM.GOV exclusionary list for the Seller , and Appraiser that was missing from the loan participants list in lieu of the exclusionary lists of the XXXX. It is not required to run a DV in order to run the exclusionary list. Please clear this finding or escalate to management. - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. Please see attached SAM.GOV exclusionary list for Seller - XXXX.. Results shows no matches found. - Seller-11/29/2025 | Resolved-Received SAM clearance. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 739 Required is 680 Borrower has 739<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 35.12 Required is 50 Borrower has 35.12 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6410406 |
| XXXX | 866289 | XXXX C A | Closed | FCRE1510 | 2025-11-26 06:12 | 2025-12-03 12:50 | 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-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal description from the Mortgage Document (Deed of Trust). - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/01/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 739 Required is 680 Borrower has 739<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 35.12 Required is 50 Borrower has 35.12 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6396589 |
| XXXX | 866374 | XXXX C A | Closed | FCRE6844 | 2025-11-26 14:03 | 2025-12-11 15:18 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-After further review by management- Gift letters are suffice. The amount used for gifts were less than the letters provided- condition resolved - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Please escalate this for manager review, the gift letter meets all detail requirements. Lenders notes the gift funds were verified to be sufficient to close and the amount of gift funds are within the gift amount and not exceeding the terms stated on the gift letter. no further docs are needed, please clear - Seller-12/10/2025 <br>Counter-Gift letter must match amount of gift. Finding remains. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Finding is not valid, Lender notes the gift letters are acceptable for up to the amount being gifted, and are not required to be wired at closing if not needed to close. no need to update the gift letter if funds wired are less than the amount on gift letter - Seller-11/27/2025 <br>Open-Provide a corrected gift letter amount, matching gift funds wired for closing. - Due Diligence Vendor-11/26/2025 | Ready for Review-Please escalate this for manager review, the gift letter meets all detail requirements. Lenders notes the gift funds were verified to be sufficient to close and the amount of gift funds are within the gift amount and not exceeding the terms stated on the gift letter. no further docs are needed, please clear - Seller-12/10/2025 <br>Ready for Review-Finding is not valid, Lender notes the gift letters are acceptable for up to the amount being gifted, and are not required to be wired at closing if not needed to close. no need to update the gift letter if funds wired are less than the amount on gift letter - Seller-11/27/2025<br>| Resolved-After further review by management- Gift letters are suffice. The amount used for gifts were less than the letters provided- condition resolved - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 32.85% Required is 50 Borrower has 32.85<br>Months Reserves exceed minimum required - Lender minimum reserves 9m PITIA, borrower reserves 26.22m. |  |  | 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 | 6405855 |
| XXXX | 866374 | XXXX C A | Closed | finding-3352 | 2025-11-26 09:43 | 2025-12-03 16:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML requirements met. - Due Diligence Vendor-12/03/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan file contains a full appraisal and the loan is escrowed. - Due Diligence Vendor-12/03/2025 |  | Resolved-HPML requirements met. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 32.85% Required is 50 Borrower has 32.85<br>Months Reserves exceed minimum required - Lender minimum reserves 9m PITIA, borrower reserves 26.22m. |  |  | 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 | 6399054 |
| XXXX | 866374 | XXXX C A | Closed | finding-3634 | 2025-11-26 09:43 | 2025-11-26 15:01 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Zero (0%) tolerance fees increased by $20 (Credit Report Fee) without a valid COC in file. Lender credit of $20 on final CD. Finding resolved - Due Diligence Vendor-11/26/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $20.13.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 $20 (Credit Report Fee) without a valid COC in file. Lender credit of $20 on final CD. Finding resolved - Due Diligence Vendor-11/26/2025 |  | Resolved------Zero (0%) tolerance fees increased by $20 (Credit Report Fee) without a valid COC in file. Lender credit of $20 on final CD. Finding resolved - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 32.85% Required is 50 Borrower has 32.85<br>Months Reserves exceed minimum required - Lender minimum reserves 9m PITIA, borrower reserves 26.22m. |  |  | 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 | 6399051 |
| XXXX | 866575 | XXXX C A | Closed | FCRE1159 | 2025-11-26 06:13 | 2025-12-03 12:03 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received current HOI policy - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Please see Dec Page for the XXXXTerm showing coverage at time of funding. We note the policy #'s match confirming continuous coverage. - Seller-11/27/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after note and disbursement date. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see Dec Page for the XXXX Term showing coverage at time of funding. We note the policy #'s match confirming continuous coverage. - Seller-11/27/2025 | Resolved-Received current HOI policy - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - LTV of 45.07% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 45.07<br>Months Reserves exceed minimum required - Verified assets of 14.14 months exceeds the minimum required of 6 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6396590 |
| XXXX | 866579 | XXXX C A | Closed | finding-3634 | 2025-11-25 16:51 | 2025-12-04 08:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received proof of extension. Finding Resolved. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Counter-----As the terms changed on the Final CD signed on XXXX, we are in need of a separate COC for the extension. ---Zero (0%) tolerance fees increased by $292.80 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $292.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date:XXXX. Finding Remains. Finding Remains - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. REBUTTAL UPLOADED - Seller-12/02/2025 <br> Counter-----The variance comes from the change on the final CD XXXX. We have a change of circumstance for the prior change and the Increase on XXXX CD. We need a COC for the increase on the Final CD. ----Zero (0%) tolerance fees increased by $292.80 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $292.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date:XXXX. Finding Remains. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Baseline on LE was disclosed XXXX at $10,970.24 . Final value was $634.40 under the baseline established. The variance for $292.80 is for two separate extensions, but shouldn't be required based on baseline established - Seller-11/28/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $292.80.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $292.80 (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $292.80, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. REBUTTAL UPLOADED - Seller-12/02/2025 <br> Ready for Review-Baseline on LE was disclosed XXXX at $10,970.24 . Final value was $634.40 under the baseline established. The variance for $292.80 is for two separate extensions, but shouldn't be required based on baseline established - Seller-11/28/2025 | Resolved------Received proof of extension. Finding Resolved. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 26.25<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680, Bwr FICO 738 Required is 680 Borrower has 738 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6390726 |
| XXXX | 866944 | XXXX D A | Closed | FCRE5770 | 2025-11-26 15:14 | 2025-12-05 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received credit report. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>Months Reserves exceed minimum required - 100.89 mos reserves; 6 mos required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6407724 |
| XXXX | 866944 | XXXX D A | Closed | FCRE1506 | 2025-11-30 13:58 | 2025-12-04 11:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received credit report. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. XXXX Credit Report - Seller-12/02/2025 <br> Open-MISSING CREDIT REPORT - Due Diligence Vendor-11/30/2025 | Ready for Review-Document Uploaded. XXXX Credit Report - Seller-12/02/2025 | Resolved-Received credit report. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>Months Reserves exceed minimum required - 100.89 mos reserves; 6 mos required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6423046 |
| XXXX | 866944 | XXXX D A | Closed | FCRE1502 | 2025-11-26 15:42 | 2025-12-04 11:51 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Credit History was not Considered Properly | Resolved-Received credit report. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. XXXX Credit Report - Seller-12/02/2025 <br> Open-ATR: Credit History was not Considered Properly MISSING CREDIT REPORT - Due Diligence Vendor-11/30/2025 | Ready for Review-Document Uploaded. XXXX Credit Report - Seller-12/02/2025 | Resolved-Received credit report. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>Months Reserves exceed minimum required - 100.89 mos reserves; 6 mos required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6408197 |
| XXXX | 866944 | XXXX D A | Closed | FCRE1500 | 2025-11-30 13:58 | 2025-12-04 11:51 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Not All Liabilities, Including Alimony and Child Support, in DTI Ratio | Resolved-Received credit report. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. XXXX Credit Report - Seller-12/02/2025 <br> Open-MISSING CREDIT REPORT - Due Diligence Vendor-11/30/2025 | Ready for Review-Document Uploaded. XXXX Credit Report - Seller-12/02/2025 | Resolved-Received credit report. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>Months Reserves exceed minimum required - 100.89 mos reserves; 6 mos required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6423045 |
| XXXX | 866973 | XXXX C B A | Closed | FCRE0044 | 2025-12-04 17:51 | 2025-12-05 13:51 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the inquiry is for the subject loan. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Please waive this finding as that is the inquiry for the Credit Report used for this loan. That was the original pull from the Broker. - Seller-12/05/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide the LOE for the inquiry on XXXX reporting on the UDM - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Please waive this finding as that is the inquiry for the Credit Report used for this loan. That was the original pull from the Broker. - Seller-12/05/2025<br>| Resolved-Upon further review, the inquiry is for the subject loan. - Due Diligence Vendor-12/05/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | 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 | 6494315 |
| XXXX | 866973 | XXXX C B A | Closed | FCRE5790 | 2025-11-30 15:43 | 2025-12-04 17:47 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Please refer to page 17 of the previously attached DV which reflects UDM start date of XXXX. - Seller-12/03/2025 <br> Counter-Received duplicate fraud report-provide UDM within 10 days of closing. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of closing. Please see attached. - Seller-12/01/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-11/30/2025 | Ready for Review-Please refer to page 17 of the previously attached DV which reflects UDM start date of XXXX - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of closing. Please see attached. - Seller-12/01/2025 | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | 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 | 6423141 |
| XXXX | 866973 | XXXX C B A | Closed | FCRE5791 | 2025-11-30 15:43 | 2025-12-04 17:47 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Please refer to page 17 of the previously attached DV which reflects UDM start date of XXXX. - Seller-12/03/2025 <br> Counter-Received duplicate fraud report-provide UDM within 10 days of closing. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of closing. Please see attached. - Seller-12/01/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-11/30/2025 | Ready for Review-Please refer to page 17 of the previously attached DV which reflects UDM start date of XXXX. - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of closing. Please see attached. - Seller-12/01/2025 | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | 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 | 6423142 |
| XXXX | 866973 | XXXX C B A | Closed | FCRE8611 | 2025-11-30 15:55 | 2025-12-04 17:45 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received 2 months bank statements as required by the guidelines. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Please escalate and clear the finding. The previously attached attached two (2) months bank statements show gross deposits consistent with the 1099 as allowed per guidelines. Checks/check stub(s) with YTD totals are an option or alternative, if available, but not a requirement. - Seller-12/03/2025 <br> Counter-Received Sept - Nov statements-please provide YTD earnings. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. B1 is a XXXX and the loan documentation type is 1 Year P&L. Please see attached two (2) months bank statements to show gross deposits consistent with the 1099 as allowed per guidelines. Checks/check stub(s) with YTD totals are an option or alternative, if available, but not a requirement. - Seller-12/01/2025 <br> Open-Missing documentation of B1 YTD earnings - Due Diligence Vendor-11/30/2025 | Ready for Review-Please escalate and clear the finding. The previously attached attached two (2) months bank statements show gross deposits consistent with the 1099 as allowed per guidelines. Checks/check stub(s) with YTD totals are an option or alternative, if available, but not a requirement. - Seller-12/03/2025 <br> Ready for Review-Document Uploaded. B1 is a XXXX and the loan documentation type is 1 Year P&L. Please see attached two (2) months bank statements to show gross deposits consistent with the 1099 as allowed per guidelines. Checks/check stub(s) with YTD totals are an option or alternative, if available, but not a requirement. - Seller-12/01/2025 | Resolved-Received 2 months bank statements as required by the guidelines. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | 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 | 6423155 |
| XXXX | 866973 | XXXX C B A | Closed | FCRE1510 | 2025-11-26 08:49 | 2025-12-03 13:26 | 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-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/01/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- missing legal description - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/01/2025<br>| Resolved-Received complete security instrument inclusive of legal description - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | 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 | 6398098 |
| XXXX | 866973 | XXXX C B A | Closed | finding-3540 | 2025-11-26 09:37 | 2025-12-02 07:52 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. SIGNED CD UPLOADED - Seller-12/01/2025 <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"XXXX" 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. ----- Please provide borrower's acknowledgment of CD XXXX - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. SIGNED CD UPLOADED - Seller-12/01/2025<br>| Resolved-----Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/02/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 |  | 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 | 6398929 |
| XXXX | 866973 | XXXX C B A | Closed | FCRE1198 | 2025-11-26 16:51 | 2025-11-30 15:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/30/2025 <br>Open-Audited Reserves of 4.02 month(s) are less than Guideline Required Reserves of 6 month(s) EXCEPTION in file: Requesting soft exception as previously discussed prior to submission to require 3 month reserves<br> - Due Diligence Vendor-11/26/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 806<br>LTV is less than guideline maximum - Required is 90 Borrower has 80 | Qualifying DTI 5% Below maximum allowed<br> Qualifying FICO score is at least 20 points above minimum for program<br> 5 years on the job |  | 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 | 6409041 |
| XXXX | 867019 | XXXX D A | Closed | FCRE5782 | 2025-11-26 15:34 | 2025-12-04 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please see attached updated Final DV report wherein it shows a payment increase for their XXXX credit account for $25 which was updated in their PC 1003 and PC 1008. The DTI increase to 21.68 from 21.61 which is very minimal. No issues found. Please clear this finding. - Seller-12/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide Gap Credit Report or UDM dated within 10 days of closing date. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see attached updated Final DV report wherein it shows a payment increase for their XXXX credit account for $25 which was updated in their PC 1003 and PC 1008. The DTI increase to 21.68 from 21.61 which is very minimal. No issues found. Please clear this finding. - Seller-12/02/2025 | Resolved-Received UDM - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 812 Required is 660 Borrower has 812<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.61 Required is 50 Borrower has 21.61 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6408066 |
| XXXX | 867867 | XXXX C A | Closed | finding-3352 | 2025-11-26 09:32 | 2025-12-22 08:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-12/22/2025 <br> Ready for Review-please escalate this for manager review, HPML guides were met, file contains full appraisal and has escrows<br> - Seller-12/19/2025 <br> Acknowledged-Originator acknowledges HPML. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Finding is not valid, Lender notes this HPML loan meets NON QM guideline section 12.4 and the closing docs confirms loan closed as a HPML, escrows not waived - Seller-12/02/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Statute of limitations – One year; Expiration date: XXXX - Due Diligence Vendor-11/26/2025 | Ready for Review-please escalate this for manager review, HPML guides were met, file contains full appraisal and has escrows<br> - Seller-12/19/2025 <br>Ready for Review-Finding is not valid, Lender notes this HPML loan meets NON QM guideline section 12.4 and the closing docs confirms loan closed as a HPML, escrows not waived - Seller-12/02/2025<br>| Resolved-HPML guides were met, file contains full appraisal and has escrows - Due Diligence Vendor-12/22/2025 <br>Acknowledged-Originator acknowledges HPML. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50.49%, borrower DTI 30.45% Required is 50.49 Borrower has 30.45<br>Months Reserves exceed minimum required - |  |  | 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 | 6398809 |
| XXXX | 867867 | XXXX C A | Closed | FCOM7201 | 2025-11-26 08:59 | 2025-12-19 09:55 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS Status is Unknown | Resolved-Received 1003 with correct Loan Originator NMLS Finding Resolved. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. please see attached correct 1003 with LO information - Seller-12/18/2025 <br> Open-Loan Originator NMLS Status is Unknown XXXX search does not match name. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. please see attached correct 1003 with LO information - Seller-12/18/2025<br>| Resolved-Received 1003 with correct Loan Originator NMLS Finding Resolved. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50.49%, borrower DTI 30.45% Required is 50.49 Borrower has 30.45<br>Months Reserves exceed minimum required - |  | 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 | 6398253 |
| XXXX | 867940 | XXXX C A | Closed | FCRE1510 | 2025-12-01 09:48 | 2025-12-04 12:18 | 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-12/04/2025 <br>Ready for Review-Document Uploaded. Please see attached DOT with legal description. Please clear this finding. - Seller-12/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Please see attached DOT with legal description. Please clear this finding. - Seller-12/02/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - 6 months reserves required, borrower has 17 months documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrower has 734 Required is 680 Borrower has 734 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6427498 |
| XXXX | 868524 | XXXX C A | Closed | FCRE5790 | 2025-12-01 11:28 | 2025-12-05 12:37 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Please refer to page 14 of the previously attached DV which reflects UDM start date of XXXX. - Seller-12/04/2025 <br> Counter-Please provide UDM within 10 days of closing-update Fraud Report or UDM report. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of note/closing. Please see attached. - Seller-12/02/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). XXXX - Due Diligence Vendor-12/01/2025 | Ready for Review-Please refer to page 14 of the previously attached DV which reflects UDM start date of XXXX. - Seller-12/04/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of note/closing. Please see attached. - Seller-12/02/2025 | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 Required is 660 Borrower has 684<br>LTV is less than guideline maximum - Required is 85 Borrower has 70 Required is 80 Borrower has 70 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6429174 |
| XXXX | 868524 | XXXX C A | Closed | FCRE1151 | 2025-12-01 09:59 | 2025-12-04 12:02 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received title supplement chain of title. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/02/2025 <br>Open-Unsatisfactory Chain of Title provided. CHAIN OF TITLE MISSING - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/02/2025<br>| Resolved-Received title supplement chain of title. - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 Required is 660 Borrower has 684<br>LTV is less than guideline maximum - Required is 85 Borrower has 70 Required is 80 Borrower has 70 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6427695 |
| XXXX | 868524 | XXXX C A | Closed | finding-3540 | 2025-11-26 16:22 | 2025-12-03 10:08 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received acknowledgement of borrower's receipt at closing. Finding Resolved. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. REBUTTAL UPLOADED WITH CD - Seller-12/02/2025 <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"XXXX" 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 missing signature on revised CD issue dated XXXX - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. REBUTTAL UPLOADED WITH CD - Seller-12/02/2025<br>| Resolved-----Received acknowledgement of borrower's receipt at closing. Finding Resolved. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 684 Required is 660 Borrower has 684<br>LTV is less than guideline maximum - Required is 85 Borrower has 70 Required is 80 Borrower has 70 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6408665 |
| XXXX | 868641 | XXXX C B A | Closed | FCRE1498 | 2025-11-26 18:28 | 2025-12-03 13:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator waiver applied to non-material finding with compensating factors. to allow for first time investor with no housing history, he has been on title only for 4 years - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/01/2025 <br>Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/01/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. to allow for first time investor with no housing history, he has been on title only for 4 years - Due Diligence Vendor-12/03/2025<br>| Months Reserves exceed minimum required - RESERVES NOT REQUIRED AND THE BORROWER HAS 7 MONTHS.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 | FICO is 757<br> DSCR ratio greater than 1 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6410314 |
| XXXX | 868641 | XXXX C B A | Closed | FCRE1440 | 2025-11-26 18:22 | 2025-11-30 18:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/30/2025 <br>Open-Housing History Does Not Meet Guideline Requirements First time investor needs 12 months housing history. Exception in file to allow first time investor with no housing history as he is a title only owner of their primary for 4 years. - Due Diligence Vendor-11/30/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-11/30/2025<br>| Months Reserves exceed minimum required - RESERVES NOT REQUIRED AND THE BORROWER HAS 7 MONTHS.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 | 757 fico<br> 1.25> dscr ratio |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6410154 |
| XXXX | 869060 | XXXX C A | Closed | FCRE0082 | 2025-12-01 11:56 | 2025-12-04 12:13 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received supplement confirming vesting. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Lender notes the vesting was already in a trust since XXXXand a new grant deed is not required to be signed. Please see the title supplement with corrected vesting and the trust cert dated XXXX - Seller-12/02/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing recorded Grant Deed from XXXX conveying interest to the borrower - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Lender notes the vesting was already in a trust since XXXX and a new grant deed is not required to be signed. Please see the title supplement with corrected vesting and the trust cert dated XXXX - Seller-12/02/2025 | Resolved-Received supplement confirming vesting. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Required is 80 Borrower has 43.8<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.94<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785 |  | 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 | 6430108 |
| XXXX | 869061 | XXXX C A | Closed | FCRE1506 | 2025-12-02 11:15 | 2025-12-04 17:00 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documentation. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached Residential Lease Agreement for 3c-XXXX. Please clear this finding. - Seller-12/03/2025 <br> Open-Lender utilized rental income of $4,200 for XXXX on the 1003; however, the loan file does not contain a lease agreement to offset the mortgage payment. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached Residential Lease Agreement for 3c-XXXX. Please clear this finding. - Seller-12/03/2025 | Resolved-Received missing income documentation. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months reserves. Borrower has 15.42 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680. Borrower's qualifying FICO is 789. Required is 680 Borrower has 789 |  | 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 | 6446952 |
| XXXX | 869061 | XXXX C A | Closed | FCRE1193 | 2025-12-02 11:43 | 2025-12-04 16:58 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received Lease agreements. Audited DTI of 49.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please see attached Residential Lease Agreement for 3c- XXXX. Please clear this finding. - Seller-12/03/2025 <br> Open-Audited DTI of 62.74% exceeds Guideline DTI of 50% Lender utilized rental income of $4,200 for XXXX on the 1003; however, the loan file does not contain a lease agreement to offset the mortgage payment. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. Please see attached Residential Lease Agreement for 3c- XXXX. Please clear this finding. - Seller-12/03/2025 | Resolved-Received Lease agreements. Audited DTI of 49.94% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months reserves. Borrower has 15.42 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680. Borrower's qualifying FICO is 789. Required is 680 Borrower has 789 |  | 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 | 6448713 |
| XXXX | 869061 | XXXX C A | Closed | finding-4038 | 2025-11-26 16:18 | 2025-12-04 08:48 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Loan is NONQM Bank Statement loan. ATR/QM does not apply - Seller-12/03/2025 <br> Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXXX or more, and the transaction's total points and fees is XXXX- Due Diligence Vendor-11/26/2025 | Ready for Review-Loan is NONQM Bank Statement loan. ATR/QM does not apply - Seller-12/03/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months reserves. Borrower has 15.42 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680. Borrower's qualifying FICO is 789. Required is 680 Borrower has 789 |  |  | 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 | 6408611 |
| XXXX | 869061 | XXXX C A | Closed | finding-3441 | 2025-11-26 16:18 | 2025-12-04 08:48 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (Freddie Mac public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Loan is NONQM Bank Statement loan. ATR/QM does not apply - Seller-12/03/2025 <br>Open-This loan failed the QM points and fees test. (Freddie Mac Bulletin 2013-16)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Freddie Mac. - Due Diligence Vendor-11/26/2025 | Ready for Review-Loan is NONQM Bank Statement loan. ATR/QM does not apply - Seller-12/03/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months reserves. Borrower has 15.42 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680. Borrower's qualifying FICO is 789. Required is 680 Borrower has 789 |  |  | 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 | 6408612 |
| XXXX | 869061 | XXXX C A | Closed | finding-3436 | 2025-11-26 16:18 | 2025-12-04 08:48 | Resolved | 1 - Information C A | Compliance | Points & Fees | GSE (Fannie Mae public guidelines) QM Points and Fees Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Loan is NONQM Bank Statement loan. ATR/QM does not apply - Seller-12/03/2025 <br>Open-This loan failed the QM points and fees test. (Fannie Mae Announcement 2013-06)The loan is subject to the ability to repay requirements under Regulation Z, and the points and fees exceed 3% of the total loan amount.Mortgages subject to the ability to repay requirements under Regulation Z with points and fees exceeding 3% of the total loan amount will not be eligible for sale to Fannie Mae. - Due Diligence Vendor-11/26/2025 | Ready for Review-Loan is NONQM Bank Statement loan. ATR/QM does not apply - Seller-12/03/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - Guidelines require 6 months reserves. Borrower has 15.42 months reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 680. Borrower's qualifying FICO is 789. Required is 680 Borrower has 789 |  |  | 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 | 6408613 |
| XXXX | 869139 | XXXX C B A | Closed | finding-3652 | 2025-11-27 21:41 | 2025-12-05 08:03 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($105.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Lender credit decreased from $105.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $105.00, 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-11/28/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/05/2025 | Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 33.91<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 716 Required is 660 Borrower has 716 |  | 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 | 6413995 |
| XXXX | 869139 | XXXX C B A | Closed | FCOM1353 | 2025-11-27 21:18 | 2025-11-27 21:18 | 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'). -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/28/2025 |  | 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'). -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-11/28/2025<br>| Qualifying DTI below maximum allowed - DTI well below max allowable Required is 50 Borrower has 33.91<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 716 Required is 660 Borrower has 716 |  |  | 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 | 6413965 |
| XXXX | 870093 | XXXX C A | Closed | FCRE1510 | 2025-11-29 06:01 | 2025-12-04 15:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-11/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/02/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.88 Required is 50 Borrower has 30.18<br>Verified employment history exceeds guidelines - Borrower has been with employer for 5 years. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6421787 |
| XXXX | 871079 | XXXX C A | Closed | FPRO9999 | 2025-12-02 11:30 | 2026-02-04 06:34 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Review of the condo questionnaire supports no individual or entity owns more than 1 unit. Litigation documents in the file support the litigation is isolated to 1 unit. The litigation does not affect the safety, structural, or habitability of the project. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-We note that FNMA allows litigation as listed below: If the lender determines that pending litigation involves minor matters with no impact on the safety, structural soundness, habitability, or functional use of the project, the project is eligible provided the litigation meets one or more of the following: <br> - litigation for which the insurance carrier has agreed to provide the defense, and the amount is covered by the HOA's or co-op corporation's insurance; <br> - the HOA or co-op corporation is the plaintiff in the litigation and upon investigation and analysis the lender has reasonably determined the matter is minor and will result in an insignificant impact to the financial stability of the project; - litigation concerning localized damage to a unit in the project that does not impact the overall safety, structural soundness, habitability, or functional use of the project; or <br> - the HOA or co-op corporation is named as the plaintiff in a foreclosure action, or as a plaintiff in an action for past due HOA or co-op assessments.<br> - Seller-12/23/2025 <br>Counter-Missing letter from Attorney or HOA stating lawsuit is covered by insurance. Missing more detailed information and clarification for the litigation pending on page 500 including total dollar amount and whether the issues in question have been resolved. The questionnaire states the project is the plaintiff however the case paperwork starting on page 500 states an individual is suing another individual within the project who owns numerous units. The allegations affect the safety and health of the unit owners. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-We respectfully disagree. The details of the litigation are all listed on the case documents provided with the loan file. 1) The assertion by the plaintiff that the individual being sued owns numerous units within the project does not align with the Condo Questionnaire completed by the property management (refer to question 13 on page 728) stating the opposite. 2) All allegations made by the plaintiff will be addressed by the judge at time of trial, if and when the time arrives. 3) Lastly, the resolution to the issues in the lawsuit will be determined by the judge at time of trial, if and when the time comes. Please note this is a Full Condo Review, for a non-warrantable condo, for a Non-QM loan. Additional information and clarification is unwarranted. - Seller-12/09/2025 <br>Open-The condo project has pending litigation. Missing more detailed information and clarification for the litigation pending on page 500 including total dollar amount and whether the issues in question have been resolved. The questionnaire states the project is the plaintiff however the case paperwork starting on page 500 states an individual is suing another individual within the project who owns numerous units. The allegations affect the safety and health of the unit owners. - Due Diligence Vendor-12/02/2025 | Ready for Review-We note that FNMA allows litigation as listed below: If the lender determines that pending litigation involves minor matters with no impact on the safety, structural soundness, habitability, or functional use of the project, the project is eligible provided the litigation meets one or more of the following: <br> - litigation for which the insurance carrier has agreed to provide the defense, and the amount is covered by the HOA's or co-op corporation's insurance; <br> - the HOA or co-op corporation is the plaintiff in the litigation and upon investigation and analysis the lender has reasonably determined the matter is minor and will result in an insignificant impact to the financial stability of the project; - litigation concerning localized damage to a unit in the project that does not impact the overall safety, structural soundness, habitability, or functional use of the project; or <br> - the HOA or co-op corporation is named as the plaintiff in a foreclosure action, or as a plaintiff in an action for past due HOA or co-op assessments.<br> - Seller-12/23/2025 <br>Ready for Review-We respectfully disagree. The details of the litigation are all listed on the case documents provided with the loan file. 1) The assertion by the plaintiff that the individual being sued owns numerous units within the project does not align with the Condo Questionnaire completed by the property management (refer to question 13 on page 728) stating the opposite. 2) All allegations made by the plaintiff will be addressed by the judge at time of trial, if and when the time arrives. 3) Lastly, the resolution to the issues in the lawsuit will be determined by the judge at time of trial, if and when the time comes. Please note this is a Full Condo Review, for a non-warrantable condo, for a Non-QM loan. Additional information and clarification is unwarranted. - Seller-12/09/2025<br>| Resolved-Review of the condo questionnaire supports no individual or entity owns more than 1 unit. Litigation documents in the file support the litigation is isolated to 1 unit. The litigation does not affect the safety, structural, or habitability of the project. - Due Diligence Vendor-12/29/2025<br>| Long term residence - Borrower was at previous address for 17 years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 |  |  | 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 | 6448416 |
| XXXX | 871141 | XXXX C A | Closed | FCRE0078 | 2025-12-01 10:09 | 2025-12-05 09:11 | Resolved | 1 - Information C A | Credit | Eligibility | Applied for New Credit on or before this loan application according to the 1003 declaration | Resolved-Lender provided supporting documentation/explanation, declared co-signed debt is XXXX loan were included in the total DTI. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. Disagree due to the credit report reflects the XXXX loan with balance less than $10k and is already part of the qualifying ratios, no further docs needed. Borrower provided an explanation for that question 5b, a link has a comments box, which states "Car loan through XXXX, currently paying scheduled installments with an expected loan closure in 12-16 months. Less than 10K left on loan." - Seller-12/03/2025 <br> Open-Borrower applied for New Credit on or before the loan application according to the 1003 declaration. Section 5b of the application states the borrower is a co-signor or guarantor on any debt that is not disclosed on the application. Missing verification of the debt not listed on the application. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Disagree due to the credit report reflects the XXXX loan with balance less than $10k and is already part of the qualifying ratios, no further docs needed. Borrower provided an explanation for that question 5b, a link has a comments box, which states "Car loan through XXXX, currently paying scheduled installments with an expected loan closure in 12-16 months. Less than 10K left on loan." - Seller-12/03/2025 | Resolved-Lender provided supporting documentation/explanation, declared co-signed debt is XXXX loan were included in the total DTI. - Due Diligence Vendor-12/05/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.13<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 800 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6427937 |
| XXXX | 871168 | XXXX D B A | Closed | FCRE1437 | 2025-12-03 09:22 | 2026-02-04 06:36 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/03/2025 <br>Open-Income and Employment Do Not Meet Guidelines EXCEPTION in file: Requesting exception allow cryto currency for asset utilization for supplemental income<br> - Due Diligence Vendor-12/03/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Months Reserves exceed minimum required - 24.89 mos reserves; 6 mos required | 772 fico<br> 0x30x24<br> 2 yrs on the job |  | 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 | 6462208 |
| XXXX | 871168 | XXXX D B A | Closed | FCRE0180 | 2025-12-03 09:15 | 2025-12-10 14:24 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Upon further review, Notary can be the witness. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-According to the closing agent "Per underwriting in the XXXX, witnesses are not required on a Mortgage". - Seller-12/03/2025 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Deed is missing the required witness signature(s) - Due Diligence Vendor-12/03/2025 | Ready for Review-According to the closing agent "Per underwriting in the XXXX, witnesses are not required on a Mortgage". - Seller-12/03/2025 | Resolved-Upon further review, Notary can be the witness. - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Months Reserves exceed minimum required - 24.89 mos reserves; 6 mos required |  |  | 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 | 6462102 |
| XXXX | 871168 | XXXX D B A | Closed | FCRE7806 | 2025-12-03 09:08 | 2025-12-04 17:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Lenders income calculation - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Subject loan is a 2 year full doc income type. The 1008 included comments by the UW for the Other income "Other Income: XXXX @ 50% div by 84/mo $2,562.86 (see exception in file)" Please see attached. - Seller-12/03/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Lender's asset utilization income worksheet - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Subject loan is a 2 year full doc income type. The 1008 included comments by the UW for the Other income "Other Income: XXXX @ 50% div by 84/mo $2,562.86 (see exception in file)" Please see attached. - Seller-12/03/2025 | Resolved-Received Lenders income calculation - Due Diligence Vendor-12/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 772<br>Months Reserves exceed minimum required - 24.89 mos reserves; 6 mos required |  | 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 | 6461964 |
| XXXX | 871172 | XXXX B A | Closed | FCRE2244 | 2025-12-03 09:16 | 2025-12-03 10:03 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-12/03/2025 <br>Open-Property Issues are identified for the property Exception Approved: Exception Request in file to allow for zoning agricultural: Non-Material, not a working farm - Due Diligence Vendor-12/03/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.72 Required is 50 Borrower has 37.72<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 744 Required is 680 Borrower has 744 | FICO 40+ points above min.<br> 3 months reserves above min. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | Originator Post-Close | Yes | 6462114 |
| XXXX | 871832 | XXXX C A | Closed | FCRE1440 | 2025-12-02 10:39 | 2025-12-12 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Please see attached rent - free letter from the borrower's son. - Seller-12/10/2025 <br>Counter-Property detail provided, please provide the rent free letter. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached Rent Free Letter from the borrower's son and the property profile showing ownership - Seller-12/09/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Missing rent-free letter from homeowner (cannot come from the borrower) - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Please see attached rent - free letter from the borrower's son. - Seller-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached Rent Free Letter from the borrower's son and the property profile showing ownership - Seller-12/09/2025<br>| Resolved-Received Rent Free Letter - Due Diligence Vendor-12/12/2025<br>| Months Reserves exceed minimum required - 15.2 mos reserves; 6 mos required<br>DSCR % greater than 1.20 - Rule False DSCR 1.714<br>LTV is less than guideline maximum - Required is 70 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6445916 |
| XXXX | 872609 | XXXX C A | Closed | finding-3540 | 2025-12-02 10:40 | 2025-12-05 07:49 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received Signed CD. Finding Resolved. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. rebuttal - Seller-12/04/2025 <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"XXXX" 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. -----Provide borrower's acknowledgment of CDs issued XXXX.<br> - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. rebuttal - Seller-12/04/2025<br>| Resolved-Received Signed CD. Finding Resolved. - Due Diligence Vendor-12/05/2025<br>| Qualifying DTI below maximum allowed - DTI of 20.62% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 20.62<br>Months Reserves exceed minimum required - Verified assets of 38.15 months exceeds the minimum required of 6 months |  | 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 | 6445921 |
| XXXX | 872627 | XXXX C B A | Closed | FCRE1505 | 2025-12-03 19:45 | 2025-12-04 09:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for tradelines. - Due Diligence Vendor-12/04/2025 <br>Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Lender exception to waive tradeline requirement and allow only 1 valid credit score with no alternative trade lines. - Due Diligence Vendor-12/04/2025 |  | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for tradelines. - Due Diligence Vendor-12/04/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 52.78m.<br>LTV is less than guideline maximum - Lender max LTV 70%, subject LTV 59.11% Required is 70 Borrower has 59.11 | 5% less than max LTV<br> 52 months of reserves.<br> Sufficient assets in Foreign Acct to cover full loan amt.<br> The borrower had $XXXX in verified assets and none of the funds were a gift. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6475952 |
| XXXX | 872629 | XXXX C A | Closed | FCRE8201 | 2025-12-04 14:28 | 2025-12-04 15:19 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Upon further review allowed per guidelines. - Due Diligence Vendor-12/04/2025 <br>Open-Gift of equity on non-arms length. Per appraisal arms length transaction and Gift letter confirms donor is Godparent. - Due Diligence Vendor-12/04/2025 |  | Resolved-Upon further review allowed per guidelines. - Due Diligence Vendor-12/04/2025<br>| LTV is less than guideline maximum - Max LTV is 80 Borrower has 75 Required is 80 Borrower has 75<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower has 1.145 and min DSCR .75% Required is 0.75 Borrower has 1.145<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640 Borrower has 695 Required is 640 Borrower has 695 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6490577 |
| XXXX | 875356 | XXXX C B A | Closed | FCRE1198 | 2025-12-04 08:33 | 2025-12-30 16:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated statement. Audited Reserves of 19.2 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Counter-Reviewed assets - XXXX cash to close. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Disagree, Assets verified XXXX funds needed at closing. see the following breakdown:<br> Borrower verified XXXX<br> Gifts XXXX. the Reserves required…. XXXX<br> XXXX credit). \*\*\* Verified Assets required to close total XXXX\*\* <br>- Seller-12/05/2025 <br> Open-Audited Reserves of 1.03 month(s) are less than Guideline Required Reserves of 6 month(s) Guidelines require 6 months of reserves. The borrower only verified 1.03 months of reserves. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Ready for Review-Disagree, Assets verified XXXX funds needed at closing. see the following breakdown:<br> Borrower verified XXXX<br> Gifts XXXXalready credited in FTC)= so Total funds verified XXXX. the Reserves required….XXXX<br> FTCXXXX credit). \*\*\* Verified Assets required to close total XXXX\*\*\* <br>- Seller-12/05/2025 | Resolved-Received updated statement. Audited Reserves of 19.2 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-12/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower's qualifying FICO is 765. Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrower's DTI is 16.11%. Required is 50 Borrower has 16.11 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6481087 |
| XXXX | 875356 | XXXX C B A | Closed | finding-3634 | 2025-12-03 17:34 | 2025-12-12 08:37 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. CURE DOCS ATTACHED - Seller-12/11/2025 <br> Counter------Received COC for rate lock extension. Finding is for increase in 2nd appraisal fee. Provide evidence of delivery of COC with valid reason for 2nd appraisal. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. rebuttal - Seller-12/05/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $875.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $875.00 (Second Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $875.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year; Expiration Date: XXXX. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. CURE DOCS ATTACHED - Seller-12/11/2025 <br>Ready for Review-Document Uploaded. rebuttal - Seller-12/05/2025<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower's qualifying FICO is 765. Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrower's DTI is 16.11%. Required is 50 Borrower has 16.11 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6474949 |
| XXXX | 875356 | XXXX C B A | Closed | FCRE0113 | 2025-12-05 08:43 | 2025-12-08 17:21 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received missing appraisal. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. please see attached 2nd Appraisal supports same value - Seller-12/05/2025 <br> Open-An LCA in the loan file reflects another appraisal for the subject property dated XXXX. That appraisal is not in the loan file. Upon receipt, additional conditions may apply. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. please see attached 2nd Appraisal supports same value - Seller-12/05/2025<br>| Resolved-Received missing appraisal. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680. Borrower's qualifying FICO is 765. Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Maximum DTI is 50%. Borrower's DTI is 16.11%. Required is 50 Borrower has 16.11 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6500808 |
| XXXX | 875491 | XXXX D B A | Closed | FCRE0177 | 2025-12-03 17:56 | 2025-12-05 10:17 | Waived | 2 - Non-Material D B | Credit | Eligibility | Missing Third Party Market Rent Source | Waived-Missing Third Party Market Rent Source Guidelines only allow XXXX on purchase transactions. Subject closed as a cash-out refinance using an XXXX. Approved exception in file. Non-material with comp factors. - Due Diligence Vendor-12/12/2025 <br> Open-Missing Third Party Market Rent Source Guidelines only allow XXXX on purchase transactions. Subject closed as a cash-out refinance using an XXXX. Approved exception in file. Non-material with comp factors. - Due Diligence Vendor-12/05/2025 |  | Waived-Missing Third Party Market Rent Source Guidelines only allow XXXX on purchase transactions. Subject closed as a cash-out refinance using an XXXX. Approved exception in file. Non-material with comp factors. - Due Diligence Vendor-12/12/2025 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Borrower has 65 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 753. Required is 700 Borrower has 753 | Qualifying FICO 20 pints above 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 | 6475184 |
| XXXX | 875493 | XXXX C A | Closed | finding-3635 | 2025-12-03 18:03 | 2025-12-08 07:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Received PCCD XXXX, retested, finding resolved. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. CD UPLOADEDCD - Seller-12/05/2025 <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% ($7,248.50) exceed the comparable charges ($5,209.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Lender's Title Insurance Policy, Settlement Fee) increased by $2,039.5 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 $1518.60, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date, Statute of limitations - 1 year(s), Expiration date: XXXX<br> - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. CD UPLOADEDCD - Seller-12/05/2025<br>| Resolved------Received PCCD XXXX, retested, finding resolved. - Due Diligence Vendor-12/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 742 Required is 660 Borrower has 742<br>Qualifying DTI below maximum allowed - DTI max 50.49%, borrower has 37.86%. Required is 50.49 Borrower has 37.86 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6475240 |
| XXXX | 875516 | XXXX D A | Closed | FCRE1506 | 2025-12-04 11:30 | 2026-01-08 11:12 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Uploaded in the related finding. - Seller-12/08/2025 <br> Counter-Pending verification of PITI for REOs. Income to be recalculated once received. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-The T&I for all three have been uploaded in the related finding. - Seller-12/05/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing documentation verifying T&I on REOXXXX. - Due Diligence Vendor-12/05/2025 | Ready for Review-Uploaded in the related finding. - Seller-12/08/2025 <br>Ready for Review-The T&I for all three have been uploaded in the related finding. - Seller-12/05/2025<br>| Resolved-Received missing credit documentation. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 700. Borrower's qualifying FICO is 806. Required is 700 Borrower has 806<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's qualifying DTI is 34.25%. Required is 50 Borrower has 34.25 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 6485678 |
| XXXX | 875516 | XXXX D A | Closed | FCRE7497 | 2025-12-04 11:36 | 2025-12-10 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI for XXXX - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/08/2025 <br> Counter-Received HOI confirming no mortgagee for XXXX and Taxes for XXXX. Received HOI premium for XXXX provide dec page to confirm no mortgage. Missing HOI for XXXX. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025 <br> Open-Missing documentation verifying T&I on REO XXXX. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025<br>| Resolved-Received HOI for 3a - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO is 700. Borrower's qualifying FICO is 806. Required is 700 Borrower has 806<br>Qualifying DTI below maximum allowed - Guideline maximum DTI is 50%. Borrower's qualifying DTI is 34.25%. Required is 50 Borrower has 34.25 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA | N/A | N/A | 6485821 |
| XXXX | 875517 | XXXX D A | Closed | FCRE0184 | 2025-12-04 12:50 | 2025-12-19 14:27 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Occupancy affidavit provided. - Due Diligence Vendor-12/19/2025 <br>Ready for Review-please escalate for manager review, loan is not a business purpose loan. this is a regular cash out refi no further docs are required. please clear as soon as possible - Seller-12/18/2025 <br>Counter-No document provided. Subject loan is an investment property. Finding remains. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-loan is not business purpose loan type, Cash out letter is not required. Please clear - Seller-12/05/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash Out Letter. - Due Diligence Vendor-12/04/2025 | Ready for Review-please escalate for manager review, loan is not a business purpose loan. this is a regular cash out refi no further docs are required. please clear as soon as possible - Seller-12/18/2025 <br>Ready for Review-loan is not business purpose loan type, Cash out letter is not required. Please clear - Seller-12/05/2025<br>| Resolved-Occupancy affidavit provided. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.37<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 707 Required is 660 Borrower has 707<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 60.39 Required is 80 Borrower has 60.39 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6487758 |
| XXXX | 875517 | XXXX D A | Closed | FCRE1150 | 2025-12-04 12:00 | 2025-12-08 16:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Received Subordination Agreement. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025 <br>Open-Missing Subordination Agreement. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025<br>| Resolved-Received Subordination Agreement. - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.37<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 707 Required is 660 Borrower has 707<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 60.39 Required is 80 Borrower has 60.39 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6486526 |
| XXXX | 875528 | XXXX D A | Closed | FCRE0700 | 2025-12-04 10:30 | 2025-12-12 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received correct final executed CD - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Please see attached Corrected Signed Final CD. - Seller-12/11/2025 <br>Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Provide signed final CD. (CD in file is missing signature page) - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Please see attached Corrected Signed Final CD. - Seller-12/11/2025<br>| Resolved-Received correct final executed CD - Due Diligence Vendor-12/12/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 61.73<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6483417 |
| XXXX | 875528 | XXXX D A | Closed | FCRE0179 | 2025-12-04 10:49 | 2025-12-09 14:18 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW attestation - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable condo. - Seller-12/05/2025 <br>Open-UW Attestation/Docs stating warrantability are missing. Missing UW condo warrantability Attestation - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable condo. - Seller-12/05/2025<br>| Resolved-Received UW attestation - Due Diligence Vendor-12/09/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 61.73<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6483871 |
| XXXX | 876643 | XXXX C A | Closed | FCRE0179 | 2025-12-04 12:35 | 2025-12-08 16:59 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 with UW attestation. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo - Seller-12/05/2025 <br>Open-UW Attestation/Docs stating warrantability are missing. Provide missing UW attestation on condo warrantability. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Please see attached PC 1008 - Warrantable Condo - Seller-12/05/2025<br>| Resolved-Received 1008 with UW attestation. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 660, borrower FICO 746 Required is 680 Borrower has 746<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 29.96% Required is 50 Borrower has 29.96 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6487412 |
| XXXX | 878342 | XXXX D B A | Closed | FCRE1194 | 2025-12-04 14:17 | 2026-01-09 08:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver to allow loan to be approved at 80% LTV , applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the LTV up to 80% - Seller-01/07/2026 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% As per guides, declining market has 5% LTV reduction. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing the LTV up to 80% - Seller-01/07/2026<br>| Waived-Originator provided a waiver to allow loan to be approved at 80% LTV , applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 747 Required is 640 Borrower has 747<br>Months Reserves exceed minimum required - 201.66 mths reserves; 3 mths required. | Reserves 3+ months above minimum required\* <br> Qualifying FICO score is at least 20 points above minimum for program | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 6490144 |
| XXXX | 878342 | XXXX D B A | Closed | FCRE1964 | 2025-12-05 11:48 | 2025-12-19 17:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-After further review, 2 months rent received along with security deposit and first months rent deposit made. Copies of checks and bank statements provided along with the lease. Condition resolved - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Please escalate for manager review, Lender notes the 2 months requirement is met with the Security deposit and first month's rents deposit. please clear as soon as possible - Seller-12/18/2025 <br> Counter-Received proof of $3200. Missing proof of two months rent received from seller since 120% of the market rent was use due to lower market rent. If this cannot be provided, DSCR will fall below 1 and the max LTV allowed will be further deducted by 5% down to 70%. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. please see attached 11.2025-2026 Lease $2,400 monthly rents. Initial total deposit $3,200 = ½ month + $2,000 sec deposit,XXXX. Also, please see deposited funds - Seller-12/08/2025 <br> Open-Missing proof of two months rent received from seller since 120% of the market rent was use due to lower market rent. If this cannot be provided, DSCR will fall below 1 and the max LTV allowed will be further deducted by 5% down to 70%. - Due Diligence Vendor-12/05/2025 | Ready for Review-Please escalate for manager review, Lender notes the 2 months requirement is met with the Security deposit and first month's rents deposit. please clear as soon as possible - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. please see attached 11.2025-2026 Lease $2,400 monthly rents. Initial total deposit $3,200 = ½ month + $2,000 sec deposit, XXXX. Also, please see deposited funds - Seller-12/08/2025 | Resolved-After further review, 2 months rent received along with security deposit and first months rent deposit made. Copies of checks and bank statements provided along with the lease. Condition resolved - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640, Bwr FICO 747 Required is 640 Borrower has 747<br>Months Reserves exceed minimum required - 201.66 mths reserves; 3 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6505541 |
| XXXX | 878372 | XXXX C A | Closed | FCRE1193 | 2025-12-04 15:56 | 2025-12-11 13:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received source of deposit. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. The delivered loan file included the attached source of the XXXXdeposit, supporting the reason it was included. - Seller-12/09/2025 <br> Counter-Lenders income worksheet provided. It appears the lender did not exclude theXXXX - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached income calculation worksheet for the $16,091.00 monthly income used for qualification. <br> (The page numbers referenced in your Income section do not match income documentation in the indexed file and an income calculation worksheet was not provided for your income calculations). - Seller-12/05/2025 <br> Open-Audited DTI of 43.86% exceeds Guideline DTI of 43% SEE INCOME WRK SHEET - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. The delivered loan file included the attached source of the XXXX deposit, supporting the reason it was included. - Seller-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached income calculation worksheet for the $16,091.00 monthly income used for qualification. <br> (The page numbers referenced in your Income section do not match income documentation in the indexed file and an income calculation worksheet was not provided for your income calculations). - Seller-12/05/2025 | Resolved-Received source of deposit. - Due Diligence Vendor-12/11/2025<br>| Verified employment history exceeds guidelines - Borrower at employer 12 years<br>Long term residence - Borrower at primary residence for 4 years |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6492466 |
| XXXX | 878372 | XXXX C A | Closed | FCRE4678 | 2025-12-04 15:36 | 2025-12-11 13:38 | Resolved | 1 - Information C A | Credit | Eligibility | Payment shock exceeds guideline | Resolved-Upon further review, guidelines do not require payment shock - Due Diligence Vendor-12/09/2025 <br> Ready for Review-XXXX Non QM guidelines do not have any payment shock stipulations. - Seller-12/05/2025 <br> Open-Payment shock does not meet guidelines. - Due Diligence Vendor-12/04/2025 | Ready for Review-XXXX Non QM guidelines do not have any payment shock stipulations. - Seller-12/05/2025 | Resolved-Upon further review, guidelines do not require payment shock - Due Diligence Vendor-12/09/2025<br>| Verified employment history exceeds guidelines - Borrower at employer 12 years<br>Long term residence - Borrower at primary residence for 4 years |  |  | QM: Higher Priced APOR (APOR HP) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6491997 |
| XXXX | 878372 | XXXX C A | Closed | FCRE1506 | 2025-12-05 12:12 | 2025-12-11 13:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received source of Deposit. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. The delivered loan file included the attached source of the XXXX deposit, supporting the reason it was included. - Seller-12/09/2025 <br> Counter-Lenders income worksheet provided. It appears the lender did not exclude the XXXX - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached income calculation worksheet for the $16,091.00 monthly income used for qualification. (The page numbers referenced in your Income section do not match income documentation in the indexed file and an income calculation worksheet was not provided for your income calculations). - Seller-12/05/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI Exceeds maximum - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. The delivered loan file included the attached source of the XXXX deposit, supporting the reason it was included. - Seller-12/09/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached income calculation worksheet for the $16,091.00 monthly income used for qualification. (The page numbers referenced in your Income section do not match income documentation in the indexed file and an income calculation worksheet was not provided for your income calculations). - Seller-12/05/2025 | Resolved-Received source of Deposit. - Due Diligence Vendor-12/11/2025<br>| Verified employment history exceeds guidelines - Borrower at employer 12 years<br>Long term residence - Borrower at primary residence for 4 years |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6505993 |
| XXXX | 878372 | XXXX C A | Closed | FCRE1151 | 2025-12-04 12:51 | 2025-12-09 14:39 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Upon further review, chain of title was located in the loan file. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Please see item 5 in the Informational Notes section which shows there have been No Conveyances in the last 24 months. This is in line with the appraisal which shows the property has not transferred in the prior 36 months. Please clear this condition. - Seller-12/06/2025 <br>Open-Unsatisfactory Chain of Title provided. MISSING CHAIN OF TITLE - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Please see item 5 in the Informational Notes section which shows there have been No Conveyances in the last 24 months. This is in line with the appraisal which shows the property has not transferred in the prior 36 months. Please clear this condition. - Seller-12/06/2025<br>| Resolved-Upon further review, chain of title was located in the loan file. - Due Diligence Vendor-12/09/2025<br>| Verified employment history exceeds guidelines - Borrower at employer 12 years<br>Long term residence - Borrower at primary residence for 4 years |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6487792 |
| XXXX | 878372 | XXXX C A | Closed | FCRE1181 | 2025-12-05 11:43 | 2025-12-09 14:23 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025 <br>Open-Subject Property is in Flood Zone AO but Notice of Special Flood Hazard Disclosure was not provided Missing signed flood certification - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025<br>| Resolved-Received Notice - Due Diligence Vendor-12/09/2025<br>| Verified employment history exceeds guidelines - Borrower at employer 12 years<br>Long term residence - Borrower at primary residence for 4 years |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6505442 |
| XXXX | 878556 | XXXX C A | Closed | FCRE0075 | 2025-12-04 08:54 | 2025-12-22 14:52 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received corrected final 1003 and LOE confirming marked in error. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/18/2025 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Lender to provide information regarding debt. (Terms, Payment, Etc) - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/18/2025<br>| Resolved-Received corrected final 1003 and LOE confirming marked in error. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 767 Required is 700 Borrower has 767<br>Qualifying DTI below maximum allowed - DTI is 17.52%, max is 50% Required is 50 Borrower has 17.52 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6481354 |
| XXXX | 878556 | XXXX C A | Closed | FCRE0137 | 2025-12-05 13:04 | 2025-12-09 14:16 | Resolved | 1 - Information C A | Credit | Eligibility | Subject property is listed for sale | Resolved-Received listing history, listing was canceled prior to application and prior to disbursement date. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Ready for Review-The subject loan application date was XXXX, was approved on XXXX. According to the attached XXXX and the appraisal delivered with the loan file, the property was not listed at the time of the loan approval or closing. - Seller-12/05/2025 <br> Open-UW to confirm there is no evidence the home is listed for sale. Home is currently listed for sale per XXXX - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Ready for Review-The subject loan application date was XXXX, was approved on XXXX. According to the attached Realtor.com and the appraisal delivered with the loan file, the property was not listed at the time of the loan approval or closing. - Seller-12/05/2025 | Resolved-Received listing history, listing was canceled prior to application and prior to disbursement date. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 767 Required is 700 Borrower has 767<br>Qualifying DTI below maximum allowed - DTI is 17.52%, max is 50% Required is 50 Borrower has 17.52 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6507052 |
| XXXX | 878558 | XXXX C A | Closed | FCRE1254 | 2025-12-05 13:04 | 2025-12-11 13:56 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Grant Deed. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-The grant deed is executed out of the trust by both trustees to the borrower, as such, additional trust documentation is not required. - Seller-12/09/2025 <br>Counter-Received Grant Deed. Missing Trust documents. - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached Grant Deed. Loan closed as an individual and was deeded out of the trust; therefore, not requiring a trust cert/documentation. - Seller-12/08/2025 <br>Open-Property Title Issue Property currently deeded in a trust, missing trust documentation - Due Diligence Vendor-12/05/2025 | Ready for Review-The grant deed is executed out of the trust by both trustees to the borrower, as such, additional trust documentation is not required. - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached Grant Deed. Loan closed as an individual and was deeded out of the trust; therefore, not requiring a trust cert/documentation. - Seller-12/08/2025<br>| Resolved-Received Grant Deed. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 773<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.37<br>LTV is less than guideline maximum - Required is 80 Borrower has 52.07 |  | 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 | 6507053 |
| XXXX | 878559 | XXXX C A | Closed | finding-3540 | 2025-12-04 11:23 | 2025-12-09 08:27 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-not valid defect, please clear. finding does not have any defects and or is not specific as to what fees are out of compliance. - Seller-12/08/2025 <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"XXXX" 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. ----- Missing valid COC for applicable increases. Statute of Limitations 1 years- Expiration date is XXXX - Due Diligence Vendor-12/04/2025 | Ready for Review-not valid defect, please clear. finding does not have any defects and or is not specific as to what fees are out of compliance. - Seller-12/08/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.36<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 779 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6485536 |
| XXXX | 878621 | XXXX C A | Closed | FCRE1148 | 2025-12-05 08:03 | 2025-12-09 14:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/08/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide title coverage equal to subject lien amount. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/08/2025<br>| Resolved-Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-12/09/2025 | LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 65%. Required is 80 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700. Borrower's qualifying FICO is 748. Required is 700 Borrower has 748<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Lender minimum DSCR .80, borrower DSCR 1.104. Required is 0.8 Borrower has 1.104 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6500245 |
| XXXX | 878660 | XXXX C A | Closed | FCRE1206 | 2025-12-05 13:16 | 2025-12-09 14:52 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent to be added to the loan participants list. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/05/2025<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/09/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.529 which exceeds the minimum required of .75. Required is 0.75 Borrower has 1.529<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 692 which exceeds the minimum of 660. Required is 660 Borrower has 692 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6507312 |
| XXXX | 878690 | XXXX D A | Closed | FCRE8887 | 2025-12-05 14:51 | 2025-12-31 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received Final Signed Commercial Loan Application. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-12/29/2025 <br>Open-Missing the final signed 1003 for Borrower 2. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. please see attached - Seller-12/29/2025<br>| Resolved-Received Final Signed Commercial Loan Application. - Due Diligence Vendor-12/31/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrowers DSCR % 1.258 and min is 0 Required is 0 Borrower has 1.258<br>DSCR % greater than 1.20 - DSCR % greater than 1.20- Borrowers DSCR % is 1.258 Required is 0 Borrower has 1.258<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6509589 |
| XXXX | 878690 | XXXX D A | Closed | FCRE1440 | 2025-12-05 13:15 | 2025-12-10 13:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, borrower qualifies with 0x60 requirements. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. please see attached DSCR guides, please clear - Seller-12/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per theXXXX DSCR Matrix, the maximum 1X30X12 month on mortgage lates. Per the Written VOM for SPS, there are 4X30X12, which does not meet the guidelines. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. please see attached DSCR guides, please clear - Seller-12/08/2025<br>| Resolved-Upon further review, borrower qualifies with 0x60 requirements. - Due Diligence Vendor-12/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrowers DSCR % 1.258 and min is 0 Required is 0 Borrower has 1.258<br>DSCR % greater than 1.20 - DSCR % greater than 1.20- Borrowers DSCR % is 1.258 Required is 0 Borrower has 1.258<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6507259 |
| XXXX | 878690 | XXXX D A | Closed | FCRE0184 | 2025-12-05 13:12 | 2025-12-10 13:51 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, guidelines do not require a cash out letter - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached loan certification - Seller-12/08/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing the Cash Out Letter from the borrowers on this Business Purpose loan. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached loan certification - Seller-12/08/2025<br>| Resolved-Upon further review, guidelines do not require a cash out letter - Due Diligence Vendor-12/10/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrowers DSCR % 1.258 and min is 0 Required is 0 Borrower has 1.258<br>DSCR % greater than 1.20 - DSCR % greater than 1.20- Borrowers DSCR % is 1.258 Required is 0 Borrower has 1.258<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6507205 |
| XXXX | 878698 | XXXX C A | Closed | FCRE0044 | 2025-12-05 11:20 | 2025-12-11 13:48 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Inquiries related to the mortgage transaction do not require an explanation letter from the borrower. Please clear the finding. - Seller-12/09/2025 <br> Counter-Email is from XXXX. A written explanation from the borrower is required. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/06/2025 <br> Open-LOX for credit inquiries is missing. Provide missing credit inquiry LOX for all inquiries within 90 days of report date. - Due Diligence Vendor-12/05/2025 | Ready for Review-Inquiries related to the mortgage transaction do not require an explanation letter from the borrower. Please clear the finding. - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/06/2025<br>| Resolved-Received LOX for credit inquiries - Due Diligence Vendor-12/11/2025<br>| LTV is less than guideline maximum - Required is 70 Borrower has 55.37<br>Qualifying FICO score is at least 20 points above minimum for program - 692 FICO; 660 required Rule False |  | 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 | 6504100 |
| XXXX | 879674 | XXXX C A | Closed | FCRE8702 | 2025-12-08 09:16 | 2025-12-10 14:39 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received Business Entity EIN - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-12/09/2025 <br>Open-The Business Entity Formation Document is incomplete Missing proof of EIN - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. please see attached - Seller-12/09/2025<br>| Resolved-Received Business Entity EIN - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 801 vs program min required of 700<br>Months Reserves exceed minimum required - Reserves are 116 mos vs program min required of 6 mos. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6526050 |
| XXXX | 879893 | XXXX C A | Closed | finding-3652 | 2025-12-06 15:23 | 2025-12-10 08:58 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-----Received COC for lender credit decrease. Finding Resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. CD AND LOE UPLOADED - Seller-12/09/2025 <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 ($3,176.25) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,281.25). 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 $3,281.25 to $3,176.25 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $105.00, 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-12/06/2025 | Ready for Review-Document Uploaded. CD AND LOE UPLOADED - Seller-12/09/2025<br>| Resolved-----Received COC for lender credit decrease. Finding Resolved. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 735 which exceeds the minimum of 680<br>Qualifying DTI below maximum allowed - DTI of 39.79% is below the maximum allowed per guidelines of 50% |  | 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 | 6518429 |
| XXXX | 880268 | XXXX D A | Closed | FCRE1165 | 2025-12-08 09:19 | 2025-12-17 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Received renewal Flood Policy - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/15/2025 <br> Counter-Received Master HOI and Flood Policy. Provide renewal flood confirming meets guidelines. The contents coverage must equal the lesser of<br> 100% of the replacement cost value of all contents owned in common by the association members, or the maximum coverage amount available from NFIP. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/11/2025 <br> Counter-Received email confirming no content insurance - missing renewal of master flood policy. Finding remains. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. The subject loan disbursed on XXXX. Please see attached email from Flood ins agent regarding renewal policy. - Seller-12/10/2025 <br> Open-Flood Insurance Policy Partially Provided Provide the renewal for Master Flood Policy. (Flood Policy in file expires XXXX). - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. The subject loan disbursed on XXXX. Please see attached email from Flood ins agent regarding renewal policy. - Seller-12/10/2025 | Resolved-Received renewal Flood Policy - Due Diligence Vendor-12/17/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 82.25m.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.51 Required is 50 Borrower has 20.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746 Required is 680 Borrower has 746 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6526118 |
| XXXX | 880319 | XXXX C A | Closed | finding-3540 | 2025-12-05 18:08 | 2025-12-09 16:35 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, no further documentation is needed or required. Final CD signed by borrower is within three days of the COC. - Due Diligence Vendor-12/09/2025 <br> Counter-Received COC for XXXX CD that corresponds with the XXXX COC is not signed and there is no evidence in file to determine if the borrower received it prior to closing date of XXXX. Please provide proof the borrower received CD XXXX. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. rebuttal - Seller-12/09/2025 <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"XXXXl" 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. -----Need proof of Receipt from borrower that Revised CD XXXX was received. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. rebuttal - Seller-12/09/2025<br>| Resolved-Upon further review, no further documentation is needed or required. Final CD signed by borrower is within three days of the COC. - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.76 Max DTI is 50%, borrowers DTI is 14.76%.<br>LTV is less than guideline maximum - Required is 75. Borrower has 58.02. Required is 75 Borrower has 58.02<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 16.97 documented. |  | 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 | 6513564 |
| XXXX | 880319 | XXXX C A | Closed | finding-3634 | 2025-12-05 18:08 | 2025-12-09 16:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC is within three days of the final CD which was acknowledged by borrower. - Due Diligence Vendor-12/09/2025 <br> Counter-Received COC for XXXX CD that corresponds with the XXXX COC is not signed and there is no evidence in file to determine if the borrower received it prior to closing date of XXXX. Please provide proof the borrower received CD XXXX. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-COC ATTACHED - Seller-12/09/2025 <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 $34.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by $34.00 (Transfer Fees) 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 $34.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. COC in file, need proof borrower received CD prior to closing. - Due Diligence Vendor-12/05/2025 | Ready for Review-COC ATTACHED - Seller-12/09/2025<br>| Resolved-COC is within three days of the final CD which was acknowledged by borrower. - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.76 Max DTI is 50%, borrowers DTI is 14.76%.<br>LTV is less than guideline maximum - Required is 75. Borrower has 58.02. Required is 75 Borrower has 58.02<br>Months Reserves exceed minimum required - 3 months reserves required, borrower has 16.97 documented. |  |  | 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 | 6513565 |
| XXXX | 880346 | XXXX D A | Closed | FCRE1158 | 2025-12-08 11:48 | 2025-12-10 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received complete HOI Binder - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. I disagree. Please see attached insurance binder where coverage A-Dwelling is XXXX. This is a detached 2 story property - XXXX. The loan amount is XXXX and the appraised value is XXXX. As Is. No issues found. Also, the Final CD shows the annual insurance premium of XXXX was paid at closing. All the necessary information is noted on the binder. Please clear this finding. - Seller-12/08/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing the Hazard Insurance Policy since the Insurance Binder did not provide all information including proof of sufficient coverage for the subject property. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. I disagree. Please see attached insurance binder where coverage A-Dwelling is XXXX This is a detached 2 story property - XXXX. The loan amount isXXXX and the appraised value is XXXX. As Is. No issues found. Also, the Final CD shows the annual insurance premium of $1,355 was paid at closing. All the necessary information is noted on the binder. Please clear this finding. - Seller-12/08/2025 | Resolved-Received complete HOI Binder - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 600 Borrower has 770 Required is 600 Borrower has 770<br>LTV is less than guideline maximum - Max LTV is 70 Borrower has 55 Required is 70 Borrower has 55 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6530062 |
| XXXX | 880405 | XXXX C A | Closed | FCRE8702 | 2025-12-09 08:51 | 2025-12-10 14:37 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Incomplete | Resolved-Received EIN number/ - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/09/2025 <br>Open-The Business Entity Formation Document is incomplete Missing EIN - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/09/2025<br>| Resolved-Received EIN number/ - Due Diligence Vendor-12/10/2025<br>| LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 70% Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - not used Required is 660 Borrower has 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50% borrower DTI 10.58% Required is 50 Borrower has 10.58 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6545151 |
| XXXX | 880441 | XXXX D B A | Closed | FCRE7000 | 2026-02-03 20:43 | 2026-02-03 20:44 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Required forms/disclosures missing | Waived-Originator waiver applied to non-material findings. - Due Diligence Vendor-02/04/2026 <br>Open-Missing Required Affiliated Business Disclosure - Due Diligence Vendor-02/04/2026 |  | Waived-Originator waiver applied to non-material findings. - Due Diligence Vendor-02/04/2026<br>| Months Reserves exceed minimum required - Reserves = 19 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 781 Required is 700 Borrower has 781 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7428270 |
| XXXX | 880442 | XXXX C A | Closed | FCRE1206 | 2025-12-09 12:49 | 2025-12-11 13:58 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM.gov - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/09/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent missing from the Loan Participants List. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/09/2025<br>| Resolved-Received SAM.gov - Due Diligence Vendor-12/11/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR is 1.747 which exceeds the minimum required of 0.8. Required is 0.8 Borrower has 1.747<br>LTV is less than guideline maximum - LTV of 48% is below the maximum of 75% allowed per guidelines. Required is 75 Borrower has 48<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 733 which exceeds the minimum of 600. Required is 600 Borrower has 768 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6551772 |
| XXXX | 880443 | XXXX C A | Closed | FCRE1510 | 2025-12-06 08:27 | 2025-12-11 14:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/09/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----Missing legal description - Due Diligence Vendor-12/06/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/09/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/11/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.304<br>LTV is less than guideline maximum - Required is 75 Borrower has 35.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6517148 |
| XXXX | 880456 | XXXX C A | Closed | FCRE1206 | 2025-12-09 15:49 | 2025-12-12 14:05 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-After further review by management- docs provided SAM clearance is sufficient, also file contained OFAC report which was clear as well- condition resolved - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Please escalate as this has been accepted previously to resolve related findings. - Seller-12/11/2025 <br>Counter-Received SAM clearance-missing watchlist search for appraiser and settlement agent-per guidelines 12.3 - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/09/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent missing from loan participant list. - Due Diligence Vendor-12/09/2025 | Ready for Review-Please escalate as this has been accepted previously to resolve related findings. - Seller-12/11/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/09/2025<br>| Resolved-After further review by management- docs provided SAM clearance is sufficient, also file contained OFAC report which was clear as well- condition resolved - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 773 which exceeds the minimum of 680. Required is 680 Borrower has 773<br>Qualifying DTI below maximum allowed - DTI of 42.15% is below the maximum allowed per guidelines of 50%. Required is 50 Borrower has 42.15 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6556109 |
| XXXX | 881216 | XXXX D B A | Closed | FCRE1498 | 2025-12-09 16:43 | 2025-12-23 16:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception Approval in file – Stips<br>1. Borrower Rental Experience Insufficient – per Guidelines (DSCR Loan Type). The matrix states first-time homebuyers and first-time investors are ineligible under the DSCR program. The borrower is a first-time homebuyer and a first-time investor<br> - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Please see page 696 of uploaded initial packet reflects the exception for loan program XXXX- DSCR 30 Yr Fixed, from guideline of FTHB ineligible to Proceed with FTHB… Please see highlighted screenshot - Seller-12/21/2025 <br> Counter-Loan submitted as XXXX DSCR 30 Yr Fixed per approval in loan file. XXXX Matrix indicate FTHB and FTINV are ineligible. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Lender notes DSCR Guideline section 4.2.3 may purchase an investment property utilizing DSCR Program - Seller-12/11/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type). The matrix states first-time homebuyers and first-time investors are ineligible under the DSCR program. The borrower is a first-time homebuyer and a first-time investor. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see page 696 of uploaded initial packet reflects the exception for loan program XXXX- DSCR 30 Yr Fixed, from guideline of FTHB ineligible to Proceed with FTHB… Please see highlighted screenshot - Seller-12/21/2025 <br> Ready for Review-Document Uploaded. Lender notes DSCR Guideline section 4.2.3 may purchase an investment property utilizing DSCR Program - Seller-12/11/2025 | Waived-Originator Waiver applied to Non-Material Finding with Comp Factors. Exception Approval in file – Stips<br>1. Borrower Rental Experience Insufficient – per Guidelines (DSCR Loan Type). The matrix states first-time homebuyers and first-time investors are ineligible under the DSCR program. The borrower is a first-time homebuyer and a first-time investor<br> - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 750. Required is 660 Borrower has 750<br>Months Reserves exceed minimum required - 36.82 mths reserves; 6 mths required. | 1. FICO 60+ points above minimum<br> 2. Reserves 12+ months more than requirement | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | N/A | 6556997 |
| XXXX | 881216 | XXXX D B A | Closed | FCRE6019 | 2025-12-06 09:25 | 2025-12-15 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-12/12/2025 <br>Open-Borrower Citizenship Documentation Is Missing Missing Citizenship documentation. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. please see attached - Seller-12/12/2025<br>| Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 750. Required is 660 Borrower has 750<br>Months Reserves exceed minimum required - 36.82 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6517320 |
| XXXX | 881216 | XXXX D B A | Closed | FCRE8201 | 2025-12-09 16:53 | 2025-12-09 16:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-The guidelines state for multifamily 5-10 units, experienced Investors only, borrower must have a history of owning and managing commercial or nonowner-occupied residential real estate for at least 1 year in the last 3 years. The subject loan is a XXXX. The borrower is a first-time homebuyer and therefore, ineligible. Approved exception in file. Non-material with compensating factors. - Due Diligence Vendor-12/12/2025 <br> Open-The guidelines state for multifamily 5-10 units, experienced Investors only, borrower must have a history of owning and managing commercial or nonowner-occupied residential real estate for at least 1 year in the last 3 years. The subject loan is a XXXX The borrower is a first-time homebuyer and therefore, ineligible. Approved exception in file. Non-material with compensating factors. - Due Diligence Vendor-12/09/2025 |  | Waived-The guidelines state for multifamily 5-10 units, experienced Investors only, borrower must have a history of owning and managing commercial or nonowner-occupied residential real estate for at least 1 year in the last 3 years. The subject loan is a 6 unit property. The borrower is a first-time homebuyer and therefore, ineligible. Approved exception in file. Non-material with compensating factors. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 750. Required is 660 Borrower has 750<br>Months Reserves exceed minimum required - 36.82 mths reserves; 6 mths required. | FICO 60+ points above minimum.<br> 12+ months reserves above minimum. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6557153 |
| XXXX | 883222 | XXXX C A | Closed | finding-3352 | 2026-01-08 09:07 | 2026-01-08 09:51 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan meets HPML requirement. - Due Diligence Vendor-01/08/2026 <br> Open-\*\*\*NEW\*\*\* 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. ----- Statute of limitations - One year; Expiration date: XXXX.<br> . - Due Diligence Vendor-01/08/2026 |  | Resolved-Loan meets HPML requirement. - Due Diligence Vendor-01/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.99 Required is 50 Borrower has 35.99<br>Months Reserves exceed minimum required - 23.47 mths reserves; 6 mths required. |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6980044 |
| XXXX | 883222 | XXXX C A | Closed | FCRE1510 | 2025-12-08 18:05 | 2025-12-12 13:29 | 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-12/12/2025 <br>Ready for Review-Document Uploaded. Please see attached DOT with legal description. - Seller-12/10/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see attached DOT with legal description. - Seller-12/10/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.99 Required is 50 Borrower has 35.99<br>Months Reserves exceed minimum required - 23.47 mths reserves; 6 mths required. |  | 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 | 6538905 |
| XXXX | 883223 | XXXX C A | Closed | FCRE8701 | 2025-12-09 11:18 | 2025-12-22 12:37 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received EIN. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached EIN - Seller-12/19/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN for XXXX. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached EIN - Seller-12/19/2025<br>| Resolved-Received EIN. - Due Diligence Vendor-12/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR %1.473 & min is 0 Required is 0 Borrower has 1.473<br>LTV is less than guideline maximum - Max LTV is 65 Borrower has 53.92 Required is 85 Borrower has 53.92<br>DSCR % greater than 1.20 - DSCR % greater than 1.20---Borrower has 1.473 Required is 0 Borrower has 1.473<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 600 Borrower has 752 Required is 600 Borrower has 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6548396 |
| XXXX | 883223 | XXXX C A | Closed | FCRE1204 | 2025-12-09 12:01 | 2025-12-22 12:35 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report with all high and medium alerts addressed. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Please see attached cleared alerts - Seller-12/20/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing the final Fraud Report with all/ any deficiencies or red flags noted cleared and documented. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached cleared alerts - Seller-12/20/2025<br>| Resolved-Received fraud report with all high and medium alerts addressed. - Due Diligence Vendor-12/22/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR %1.473 & min is 0 Required is 0 Borrower has 1.473<br>LTV is less than guideline maximum - Max LTV is 65 Borrower has 53.92 Required is 85 Borrower has 53.92<br>DSCR % greater than 1.20 - DSCR % greater than 1.20---Borrower has 1.473 Required is 0 Borrower has 1.473<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 600 Borrower has 752 Required is 600 Borrower has 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6550457 |
| XXXX | 883226 | XXXX D A | Closed | FCRE1506 | 2025-12-10 13:29 | 2026-02-03 17:33 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/12/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to page 199-216 and attached herein. - Seller-12/10/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income documents - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to page 199-216 and attached herein. - Seller-12/10/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.03 Required is 50 Borrower has 35.03<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.27 Required is 80 Borrower has 74.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747 Required is 680 Borrower has 747 |  | 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 | 6571273 |
| XXXX | 883226 | XXXX D A | Closed | FCRE7805 | 2025-12-09 13:20 | 2025-12-12 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to page 199-216 and attached herein. - Seller-12/10/2025 <br> Open-Missing 2 bank statements for XXXX per GL 3 months required - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to page 199-216 and attached herein. - Seller-12/10/2025<br>| Resolved-Upon further review, the loan file contained all required asset documentation. - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.03 Required is 50 Borrower has 35.03<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.27 Required is 80 Borrower has 74.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747 Required is 680 Borrower has 747 |  | 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 | 6552717 |
| XXXX | 883226 | XXXX D A | Closed | FCRE5790 | 2025-12-09 12:59 | 2025-12-12 13:56 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on 11/25/2025, which is within 10 days of note/closing. Please refer to page 13 of the attached DV - Seller-12/10/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of note/closing. Please refer to page 13 of the attached DV - Seller-12/10/2025 | Resolved-Received UDM - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.03 Required is 50 Borrower has 35.03<br>LTV is less than guideline maximum - Required is 80 Borrower has 74.27 Required is 80 Borrower has 74.27<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747 Required is 680 Borrower has 747 |  | 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 | 6552075 |
| XXXX | 884640 | XXXX D B A | Closed | FCRE1483 | 2025-12-08 11:20 | 2025-12-11 16:31 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received proof of **XXXX** - Due Diligence Vendor-12/11/2025 <br> Ready for Review-please clear the finding as soon as possible... - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. XXXX gift letter and escrow receipt documented - Seller-12/09/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Gift fund receipt and availability not verified - Due Diligence Vendor-12/08/2025 | Ready for Review-please clear the finding as soon as possible... - Seller-12/11/2025 <br> Ready for Review-Document Uploaded. XXXX gift letter and escrow receipt documented - Seller-12/09/2025 | Resolved-Received proof of XXXX - Due Diligence Vendor-12/11/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual is greater than $5250<br>Long term residence - Borrower resides at primary residence for 18 years per 1003 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6529089 |
| XXXX | 884640 | XXXX D B A | Closed | FCRE1278 | 2025-12-08 11:58 | 2025-12-11 10:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Escrow waiver guidelines were not met | Waived-Originator waiver applied to non material finding with com factors - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see exception used to final approve loan - Seller-12/09/2025 <br> Open-Max loan amount is $2,000,000 - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see exception used to final approve loan - Seller-12/09/2025<br>| Waived-Originator waiver applied to non material finding with com factors - Due Diligence Vendor-12/11/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual is greater than $5250<br>Long term residence - Borrower resides at primary residence for 18 years per 1003 | credit history 0x30 24months<br> 5+ years verified employment history exceeds guidelines<br> 4+ years in primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6530285 |
| XXXX | 884640 | XXXX D B A | Closed | FCRE1199 | 2025-12-08 11:59 | 2025-12-11 10:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see exception used to final approve loan - Seller-12/09/2025 <br>Open-Audited Loan Amount is greater than the Guideline Maximum Loan Amount of $2000000 - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see exception used to final approve loan - Seller-12/09/2025<br>| Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-12/11/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual is greater than $5250<br>Long term residence - Borrower resides at primary residence for 18 years per 1003 | credit history 0x30 24months<br> 5+ years verified employment history exceeds guidelines<br> 4+ years in primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6530306 |
| XXXX | 884640 | XXXX D B A | Closed | FCRE1194 | 2025-12-08 11:34 | 2025-12-11 10:10 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see exception used to final approve loan - Seller-12/09/2025 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see exception used to final approve loan - Seller-12/09/2025<br>| Waived-Originator waiver applied to non material finding with comp factors - Due Diligence Vendor-12/11/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual is greater than $5250<br>Long term residence - Borrower resides at primary residence for 18 years per 1003 | -credit history 0x30 24months<br> -5+ years verified employment history exceeds guidelines<br> - 4+ years in primary residence | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 6529730 |
| XXXX | 884640 | XXXX D B A | Closed | FCRE1158 | 2025-12-08 10:11 | 2025-12-10 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached HOI - Seller-12/09/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Policy number missing on declarations page. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see attached HOI - Seller-12/09/2025<br>| Resolved-Received HOI. - Due Diligence Vendor-12/10/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual is greater than $5250<br>Long term residence - Borrower resides at primary residence for 18 years per 1003 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6527176 |
| XXXX | 884640 | XXXX D B A | Closed | FCRE1482 | 2025-12-08 11:20 | 2025-12-10 15:02 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Received confirmation of XXXX. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Please see attached the Gift funds details reflect source verified from XXXX- Seller-12/09/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Gift fund receipt and availability not verified - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see attached the Gift funds details reflect source verified from XXXX - Seller-12/09/2025 | Resolved-Received confirmation of XXXX. - Due Diligence Vendor-12/10/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual is greater than $5250<br>Long term residence - Borrower resides at primary residence for 18 years per 1003 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6529087 |
| XXXX | 884640 | XXXX D B A | Closed | FCRE1509 | 2025-12-08 12:33 | 2025-12-10 14:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Note. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached Signed Note Copy - Seller-12/09/2025 <br>Open-The Note is Incomplete Provided note is not signed by borrower - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see attached Signed Note Copy - Seller-12/09/2025<br>| Resolved-Received Note. - Due Diligence Vendor-12/10/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Residual is greater than $5250<br>Long term residence - Borrower resides at primary residence for 18 years per 1003 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6531080 |
| XXXX | 885657 | XXXX C A | Closed | FCRE7009 | 2025-12-10 10:51 | 2025-12-15 14:18 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI policy reflecting coverage. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/12/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. The insurance binder doesn't have the coverage or policy number listed. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/12/2025<br>| Resolved-Received HOI policy reflecting coverage. - Due Diligence Vendor-12/15/2025<br>| Months Reserves exceed minimum required - no reserves are required and the borrower has 291 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 744 Required is 640 Borrower has 744<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.01 Borrower has 1.01 Required is 0.01 Borrower has 1.01 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6566422 |
| XXXX | 888248 | XXXX C B A | Closed | FCOM1210 | 2025-12-10 16:07 | 2025-12-15 07:27 | Resolved | 1 - Information C A | Compliance | Closing | Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty | Resolved-----Upon further review, the document(s) are located in original file, nothing further required. Prepayment Penalty Addendum to Note in file is to another property. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-I disagree. The Note does not have a prepayment penalty because the statement- I may make a full Prepayment or partial Prepayments without paying a Prepayment charge is an explicit statement that the borrower can prepay without any penalty or fee. In short, this promissory note does not impose a prepayment penalty. Please clear this finding. - Seller-12/12/2025 <br>Open-Note Indicates Prepayment Penalty but CD Does Not Indicate a Prepayment Penalty Missing the final CD that reflects that there is a Prepayment Penalty since the Note and/ or the Note Addendum(s) reflect a Prepayment Penalty. - Due Diligence Vendor-12/10/2025 | Ready for Review-I disagree. The Note does not have a prepayment penalty because the statement- I may make a full Prepayment or partial Prepayments without paying a Prepayment charge is an explicit statement that the borrower can prepay without any penalty or fee. In short, this promissory note does not impose a prepayment penalty. Please clear this finding. - Seller-12/12/2025<br>| Resolved-----Upon further review, the document(s) are located in original file, nothing further required. Prepayment Penalty Addendum to Note in file is to another property. - Due Diligence Vendor-12/15/2025<br>| Qualifying DTI below maximum allowed - Maximum allowable DTI is 55% - actual DTI is 39.77%. Required is 55 Borrower has 39.77<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 - actual FICO score is 747. Required is 660 Borrower has 747<br>LTV is less than guideline maximum - Max LTV is 90 - actual LTX is 73%. Required is 90 Borrower has 73 |  |  | 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 | 6574355 |
| XXXX | 888248 | XXXX C B A | Closed | FCOM1353 | 2025-12-10 10:41 | 2025-12-10 13:59 | 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. <br> - Due Diligence Vendor-12/10/2025 |  | 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. <br> - Due Diligence Vendor-12/10/2025<br>| Qualifying DTI below maximum allowed - Maximum allowable DTI is 55% - actual DTI is 39.77%. Required is 55 Borrower has 39.77<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 - actual FICO score is 747. Required is 660 Borrower has 747<br>LTV is less than guideline maximum - Max LTV is 90 - actual LTX is 73%. Required is 90 Borrower has 73 |  |  | 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 | 6566185 |
| XXXX | 888260 | XXXX D A | Closed | FCOM1220 | 2025-12-10 09:11 | 2026-01-06 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received fully executed security instrument. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached signed DOT-Mortgage. - Seller-01/05/2026 <br>Open-The Deed of Trust is Missing Missing DOT - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. Please see attached signed DOT-Mortgage. - Seller-01/05/2026<br>| Resolved-Received fully executed security instrument. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.92 |  | 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 | 6564189 |
| XXXX | 888260 | XXXX D A | Closed | finding-651 | 2025-12-12 08:57 | 2025-12-22 14:18 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. I reviewed your XXXX, and you all have a loan amount of XXXX. The actual loan amount is XXXX - Seller-12/22/2025 <br> Open-\*\*\*\*\*\*NEW\*\*\*\*\*\*\*----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge isXXXX. The disclosed finance charge ofXXXX is not considered accurate because it is understated by more than $100 at $12,687.49. Provide evidence of refund or principal reduction of $12,687.49, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. Statue of Limitations - 1 year, expiration date XXXX. Please provide PCCD if applicable. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. I reviewed your compliance ease, and you all have a loan amount of XXXX. The actual loan amount is XXXX - Seller-12/22/2025 | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.92 |  | 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 | 6599672 |
| XXXX | 888260 | XXXX D A | Closed | finding-3732 | 2025-12-12 08:57 | 2025-12-22 14:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. I reviewed your compliance ease, and you all have a loan amount of XXXX. The actual loan amount is XXXX - Seller-12/22/2025 <br> Open-\*\*\*\*\*NEW\*\*\*\*-----Total of payments is understated by $22,187.49 which exceeds threshold of $35. Provide evidence of refund or principal reduction for $22,187.49 or, at a minimum, to the $35 threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Please provide PCCD if application.<br> - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. I reviewed your XXXX, and you all have a loan amount of XXXX. The actual loan amount is XXXX - Seller-12/22/2025 | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.92 |  | 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 | 6599673 |
| XXXX | 888260 | XXXX D A | Closed | FPRO1253 | 2025-12-11 07:42 | 2025-12-12 12:54 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Please see attached Freddie SSR . - Seller-12/11/2025 <br>Open-Missing secondary valuation - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Please see attached Freddie SSR . - Seller-12/11/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-12/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.92 |  | 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 | 6580919 |
| XXXX | 888260 | XXXX D A | Closed | FCOM1544 | 2025-12-10 09:36 | 2025-12-12 08:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Final Closing Disclosure dated XXXX. Finding Resolved. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Pleases see attached Signed Final CD. - Seller-12/11/2025 <br> Open-TRID: Missing Final Closing Disclosure Final CD missing - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. Pleases see attached Signed Final CD. - Seller-12/11/2025<br>| Resolved-Received Final Closing Disclosure dated XXXX. Finding Resolved. - Due Diligence Vendor-12/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.92 |  | 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 | 6564713 |
| XXXX | 888279 | XXXX D A | Closed | FCRE7806 | 2025-12-11 08:12 | 2025-12-15 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received bank statement analysis worksheet. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/12/2025 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Income Calculation Worksheet for the 24 month bank statements and REO. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/12/2025<br>| Resolved-Received bank statement analysis worksheet. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 760 Required is 680 Borrower has 760<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 20.07 Required is 50 Borrower has 20.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6581201 |
| XXXX | 888279 | XXXX D A | Closed | FCRE0184 | 2025-12-11 08:24 | 2025-12-15 14:05 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose affidavit confirming proceeds for business purpose only. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please waive as the file contains the attached executed business purpose affidavit and the XXXX guide does not require cash out letters. <br> - Seller-12/12/2025 <br> Open-Missing Cash-out Letter on a Business Purpose Loan. Missing Cash Out Letter for this Business Purpose Loan. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Please waive as the file contains the attached executed business purpose affidavit and the XXXX guide does not require cash out letters. <br> - Seller-12/12/2025 | Resolved-Received business purpose affidavit confirming proceeds for business purpose only. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 760 Required is 680 Borrower has 760<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 20.07 Required is 50 Borrower has 20.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6581336 |
| XXXX | 888279 | XXXX D A | Closed | FCRE1148 | 2025-12-11 07:47 | 2025-12-15 14:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/12/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing sufficient Title Coverage. Title Commitment in file reflects coverage in the amount of XXXX. Closing instructions not available. Please provide evidence of title insurance no less than than XXXX - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/12/2025<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 760 Required is 680 Borrower has 760<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 75 Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 20.07 Required is 50 Borrower has 20.07 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6580967 |
| XXXX | 888291 | XXXX D A C | Closed | FCRE5774 | 2025-12-11 08:55 | 2025-12-23 15:12 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received revised 1003 - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Please see attached PC 1003. Updated 1003 to include XXXX. DTI changed to 49.37% which is still acceptable as it is below the max DTI of 50%. Please clear this finding. - Seller-12/19/2025 <br> Counter-Credit report received, dated 10/22/25 reflects File Variation Warning. Debts reflecting on final 1003 do not match credit report received. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-I disagree. Only those with balances are listed on the 1003 liabilities section and it matches the credit report. No issues found. - Seller-12/12/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Provide Full Credit Report with all liabilities; used 1003 for monthly debt. ITIN - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Please see attached PC 1003. Updated 1003 to include SXXXX. DTI changed to 49.37% which is still acceptable as it is below the max DTI of 50%. Please clear this finding. - Seller-12/19/2025 <br> Ready for Review-I disagree. Only those with balances are listed on the 1003 liabilities section and it matches the credit report. No issues found. - Seller-12/12/2025 | Resolved-Received revised 1003 - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 705. Required is 640 Borrower has 705<br>LTV is less than guideline maximum - LTV Required is 65%% Borrower has 58.86%. Required is 70 Borrower has 58.86 |  | 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 | 6581737 |
| XXXX | 888291 | XXXX D A C | Closed | FCRE1316 | 2025-12-11 08:40 | 2025-12-15 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received SOS and registration of business. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. I disagree. Please see attached snippet and 3rd party VOE for B1 Self-employment with the XXXX which is within 10 days of closing date of XXXX. . Please clear this finding. - Seller-12/12/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide Missing Self Employment VVOE. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. I disagree. Please see attached snippet and 3rd party VOE for B1 Self-employment with the XXXX which is within 10 days of closing date of XXXX . Please clear this finding. - Seller-12/12/2025 | Resolved-Received SOS and registration of business. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 705. Required is 640 Borrower has 705<br>LTV is less than guideline maximum - LTV Required is 65%% Borrower has 58.86%. Required is 70 Borrower has 58.86 |  | 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 | 6581544 |
| XXXX | 888291 | XXXX D A C | Closed | FCRE1325 | 2025-12-12 10:10 | 2025-12-15 13:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received SOS confirming business active and in good standing for over 2 years. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. I disagree. CPA Letter not required for a full doc loan. Please see attached XXXX showing B1 Business name of XXXX is active and has a first issued date of XXXX. Please clear this finding. - Seller-12/12/2025 <br> Open-Borrower 1 CPA Letter Missing Missing evidence of business for 2 years minimum - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. I disagree. CPA Letter not required for a full doc loan. Please see attached XXXX showing B1 Business name of XXXX is active and has a first issued date of XXXX. Please clear this finding. - Seller-12/12/2025 | Resolved-Received SOS confirming business active and in good standing for over 2 years. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 705. Required is 640 Borrower has 705<br>LTV is less than guideline maximum - LTV Required is 65%% Borrower has 58.86%. Required is 70 Borrower has 58.86 |  | 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 | 6601143 |
| XXXX | 888291 | XXXX D A C | Closed | finding-3540 | 2025-12-10 12:30 | 2025-12-15 07:20 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. I disagree. Closing Date is XXXX . Please see attached signed Final CD dated XXXX. Please clear this finding. - Seller-12/12/2025 <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"XXXX" 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. ----- CD XXXX is not signed and there is no evidence of when it was provided to borrower. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. I disagree. Closing Date is XXXX . Please see attached signed Final CD dated XXXX. Please clear this finding. - Seller-12/12/2025 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 705. Required is 640 Borrower has 705<br>LTV is less than guideline maximum - LTV Required is 65%% Borrower has 58.86%. Required is 70 Borrower has 58.86 |  | 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 | 6569888 |
| XXXX | 888294 | XXXX D A | Closed | FCRE1158 | 2025-12-11 08:21 | 2025-12-15 14:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received renewal billing statement. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. please see attached HOI premium amount - Seller-12/12/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Policy provided is missing verification of annual HOI premium. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. please see attached HOI premium amount - Seller-12/12/2025<br>| Resolved-Received renewal billing statement. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Not used Required is 660 Borrower has 779<br>LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 54.96% Required is 80 Borrower has 54.96<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 29.93% Required is 50 Borrower has 29.93 |  | 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 | 6581307 |
| XXXX | 888309 | XXXX C B A | Closed | FCRE1206 | 2025-12-12 11:15 | 2025-12-17 14:27 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received SAM.gov - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/15/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser missing form the loan participants list. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/15/2025<br>| Resolved-Received SAM.gov - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 660. Required is 620 Borrower has 660<br>LTV is less than guideline maximum - Required is 80. Borrower has 70. Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 22.69. Required is 50 Borrower has 22.69 |  | 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 | 6602789 |
| XXXX | 888309 | XXXX C B A | Closed | FCRE1437 | 2025-12-11 10:59 | 2025-12-17 14:26 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator exception granted for 9 months bank statements, waiver applied with compactors - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/15/2025 <br>Open-Income and Employment Do Not Meet Guidelines Guidelines require 12 months of bank statements; only 9 months provided. Comments (1008) indicate an exception was granted to use 9 months of bank statements rather than 12. Exception documentation is missing. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/15/2025<br>| Waived-Originator exception granted for 9 months bank statements, waiver applied with compactors - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 660. Required is 620 Borrower has 660<br>LTV is less than guideline maximum - Required is 80. Borrower has 70. Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 22.69. Required is 50 Borrower has 22.69 | -LTV is 5% less than guideline maximum- 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 | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6584570 |
| XXXX | 888309 | XXXX C B A | Closed | FCOM3666 | 2025-12-10 11:43 | 2025-12-17 10:21 | Resolved | 1 - Information C A | Compliance | Closing | Loan Originator NMLS Status is Not Active | Resolved-Upon further review, Originator is Authorized - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. Loan Originator is Federally Registered, which means they are good for all states.<br> - Seller-12/16/2025 <br> Open-Loan Originator NMLS Status is Not Active Per NMLS Lookup Only Licensed in XXXX. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. We respectfully disagree. Loan Originator is Federally Registered, which means they are good for all states.<br> - Seller-12/16/2025<br>| Resolved-Upon further review, Originator is Authorized - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 620, Bwr FICO 660. Required is 620 Borrower has 660<br>LTV is less than guideline maximum - Required is 80. Borrower has 70. Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 22.69. Required is 50 Borrower has 22.69 |  | 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 | 6568695 |
| XXXX | 888316 | XXXX D B A C | Closed | finding-47 | 2025-12-10 12:57 | 2026-01-06 08:55 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. PCCD PROVIDED TO THE BORROWER WITH UPDATED DISBURSEMENT DATE OF XXXX - Seller-01/05/2026 <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 Cancel of Date on the Right to Cancel doc is XXXX and is less than three days from the closing date of XXXX. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. PCCD PROVIDED TO THE BORROWER WITH UPDATED DISBURSEMENT DATE OF XXXX - Seller-01/05/2026 | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750<br>LTV is less than guideline maximum - Required is 80 Borrower has 48.19<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.24 |  | 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 | 6570447 |
| XXXX | 888316 | XXXX D B A C | Closed | FCRE1506 | 2025-12-12 10:52 | 2026-01-05 15:30 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received paystubs. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Please refer to uploaded documents in related finding. - Seller-12/31/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing YTD pay stub to support wage employer income. - Due Diligence Vendor-12/12/2025 | Ready for Review-Please refer to uploaded documents in related finding. - Seller-12/31/2025<br>| Resolved-Received paystubs. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750<br>LTV is less than guideline maximum - Required is 80 Borrower has 48.19<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.24 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6602261 |
| XXXX | 888316 | XXXX D B A C | Closed | FCRE1330 | 2025-12-12 10:34 | 2026-01-05 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Received Borrower 1 Paystubs - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached . - Seller-12/31/2025 <br>Open-Borrower 1 Paystubs Missing Missing YTD pay stub to support wage employer income. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Please see attached . - Seller-12/31/2025<br>| Resolved-Received Borrower 1 Paystubs - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750<br>LTV is less than guideline maximum - Required is 80 Borrower has 48.19<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.24 |  | 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 | 6601845 |
| XXXX | 888316 | XXXX D B A C | Closed | FCOM5135 | 2025-12-10 12:07 | 2025-12-10 12:07 | 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-12/10/2025 |  | Waived-Required Affiliated Business Disclosure Missing ------Originator waiver applied to non-material findings - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750<br>LTV is less than guideline maximum - Required is 80 Borrower has 48.19<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.24 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6569247 |
| XXXX | 888359 | XXXX C A | Closed | FCRE1506 | 2025-12-11 12:19 | 2026-01-07 15:42 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Housing History Meets Guideline Requirements. Per Pay History/Mtg Statements and Payoff the mtg history is 0x30x12 - Due Diligence Vendor-01/07/2026 <br> Ready for Review-We kindly Disagree, the borrower has been the rightful owner of the property since taking possession in XXXX; however, the prior loan was still under the previous owners name. Our due diligence is to confirm the housing payment for the subject property, which is the borrower's primary, was paid on time. per the documentation in the file, it is confirmed that the mortgage for the property was paid as agreed during that timeline. we ask that this item please be cleared. - Seller-01/05/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of proof of the housing payments made by the Borrower, then the ATR/ QM status can be confirmed. Upon receipt, additional conditions may apply. - Due Diligence Vendor-12/11/2025 | Ready for Review-We kindly Disagree, the borrower has been the rightful owner of the property since taking possession in XXXX; however, the prior loan was still under the previous owners name. Our due diligence is to confirm the housing payment for the subject property, which is the borrower's primary, was paid on time. per the documentation in the file, it is confirmed that the mortgage for the property was paid as agreed during that timeline. we ask that this item please be cleared. - Seller-01/05/2026 | Resolved-Housing History Meets Guideline Requirements. Per Pay History/Mtg Statements and Payoff the mtg history is 0x30x12 - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - Max LTV is 70 Borrower has 50 Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 32.58 Required is 50 Borrower has 32.58 |  |  | 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 | 6587048 |
| XXXX | 888359 | XXXX C A | Closed | FCRE1440 | 2025-12-11 12:05 | 2026-01-07 15:38 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements. Per Pay History/Mtg Statements and Payoff the mtg history is 0x30x12 - Due Diligence Vendor-01/07/2026 <br> Ready for Review-We kindly Disagree, the borrower has been the rightful owner of the property since taking possession in XXXX; however, the prior loan was still under the previous owners name. Our due diligence is to confirm the housing payment for the subject property, which is the borrower's primary, was paid on time. per the documentation in the file, it is confirmed that the mortgage for the property was paid as agreed during that timeline. we ask that this item please be cleared. - Seller-01/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof of the most recent 12 months mortgage payment history by the Borrower. Currently, there is proof that someone other than the borrower has made the mortgage payments. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-12/11/2025 | Ready for Review-We kindly Disagree, the borrower has been the rightful owner of the property since taking possession in XXXX4; however, the prior loan was still under the previous owners name. Our due diligence is to confirm the housing payment for the subject property, which is the borrower's primary, was paid on time. per the documentation in the file, it is confirmed that the mortgage for the property was paid as agreed during that timeline. we ask that this item please be cleared. - Seller-01/05/2026 | Resolved-Housing History Meets Guideline Requirements. Per Pay History/Mtg Statements and Payoff the mtg history is 0x30x12 - Due Diligence Vendor-01/07/2026<br>| LTV is less than guideline maximum - Max LTV is 70 Borrower has 50 Required is 70 Borrower has 50<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 32.58 Required is 50 Borrower has 32.58 |  |  | 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 | 6586670 |
| XXXX | 890238 | XXXX D A | Closed | FCOM1221 | 2025-12-15 11:23 | 2025-12-22 12:45 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received complete security instrument inclusive of signature and Notary pages. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. Please attached complete security instrument - DOT with notary and signature page and legal description. - Seller-12/19/2025 <br>Counter-Received closing package. Please provide complete security instrument with notary and signature page within chain. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Please see attached document. Page 24 and 25 is the signature page of the Signed Closing Package for the DOT. - Seller-12/17/2025 <br>Open-The Deed of Trust is Incomplete Missing signature page - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Please attached complete security instrument - DOT with notary and signature page and legal description. - Seller-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached document. Page 24 and 25 is the signature page of the Signed Closing Package for the DOT. - Seller-12/17/2025<br>| Resolved-Received complete security instrument inclusive of signature and Notary pages. - Due Diligence Vendor-12/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.91 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6624552 |
| XXXX | 890238 | XXXX D A | Closed | FCOM1227 | 2025-12-11 15:16 | 2025-12-18 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Please see attached document - page 29 of the Signed Closing Package is the PUD Rider. - Seller-12/17/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Please see attached document - page 29 of the Signed Closing Package is the PUD Rider. - Seller-12/17/2025<br>| Resolved-Received PUD Rider - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.91 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6591700 |
| XXXX | 890283 | XXXX D A | Closed | FCRE1158 | 2025-12-15 10:47 | 2025-12-24 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policies and LOE. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-There is no clarification required. The property is 3 units; the HOI policies cover each unit by their respective descriptive addresses which is also noted on the appraisal/photos previously delivered with the loan file. - Seller-12/22/2025 <br> Counter-Received 2 HOI policies. 1st policy note subject address as XXXX $2,191 premium. 2nd policy notes address as XXXX$2,179. Clarify as policy numbers are the same. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Please review again as the HOI documents uploaded included two highlighted areas for the two policies totaling $4370. Since 11 mo. were collected, the CD reflects $4005.87. - Seller-12/19/2025 <br> Counter-Received HOI. CD reflect $4005.87, but policy reflect premium of $2191 - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please see attached two HOI policies for the combined amounts. - Seller-12/17/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Premium on Dec page does not match the amount collected on the CD, please provide additional dec page. - Due Diligence Vendor-12/15/2025 | Ready for Review-There is no clarification required. The property is 3 units; the HOI policies cover each unit by their respective descriptive addresses which is also noted on the appraisal/photos previously delivered with the loan file. - Seller-12/22/2025 <br>Ready for Review-Please review again as the HOI documents uploaded included two highlighted areas for the two policies totaling $4370. Since 11 mo. were collected, the CD reflects $4005.87. - Seller-12/19/2025 <br>Ready for Review-Document Uploaded. Please see attached two HOI policies for the combined amounts. - Seller-12/17/2025<br>| Resolved-Received HOI policies and LOE. - Due Diligence Vendor-12/24/2025<br>| DSCR % greater than 1.20 - Required is 0.01 Borrower has 1.34 Required is 0.01 Borrower has 1.34<br>LTV is less than guideline maximum - Required is 60 Borrower has 42.96 Required is 60 Borrower has 42.96<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.01 Borrower has 1.34 Required is 0.01 Borrower has 1.34 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6623621 |
| XXXX | 890293 | XXXX C B A | Closed | FCRE1198 | 2025-12-15 14:51 | 2025-12-22 14:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for <6 months PITIA reserves, applied to non material finding with comp factors - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached 1003 and 1008 which were updated to show the borrower having XXXX Account and the PCCD showing the borrower receiving XXXX at closing. In addition, a copy of the Exception has been provided allowing the loan to close with 4 months in reserves.&nbsp;&nbsp;&nbsp;&nbsp; - Seller-12/19/2025 <br> Open-Audited Reserves of 3.87 month(s) are less than Guideline Required Reserves of 6 month(s) Additional assets required to cover reserves required. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Please see attached 1003 and 1008 which were updated to show the borrower having XXXX Account and the PCCD showing the borrower receiving XXXX at closing. In addition, a copy of the Exception has been provided allowing the loan to close with 4 months in reserves.&nbsp;&nbsp;&nbsp;&nbsp; - Seller-12/19/2025 | Waived-Originator provided a waiver for <6 months PITIA reserves, applied to non material finding with comp factors - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - Required is 85 Borrower has 73.77<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.042 Required is 0.75 Borrower has 1.042<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 747 | Mortgage history 0x30 for 24 months<br> FICO is at least 20+ above minimum for program | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6630777 |
| XXXX | 891715 | XXXX C B A | Closed | finding-3352 | 2025-12-14 23:41 | 2025-12-30 16:40 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-file contains full appraisal and escrows are not waived. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4, the closing docs confirms loan closed as a HPML, file contains full appraisal and escrows are not waived. - Seller-12/27/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. ----- Statute of limitations – One year; Expiration date: XXXX - Due Diligence Vendor-12/15/2025 | Ready for Review-Finding is not valid, Lender notes HPML loan meets NON QM guideline section 12.4, the closing docs confirms loan closed as a HPML, file contains full appraisal and escrows are not waived. - Seller-12/27/2025<br>| Resolved-file contains full appraisal and escrows are not waived. - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.25 Required is 50 Borrower has 30.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 |  |  | 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 | 6617471 |
| XXXX | 891715 | XXXX C B A | Closed | finding-3634 | 2025-12-14 23:41 | 2025-12-30 10:09 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-12/29/2025 <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 $102.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $102.50 (Credit Report 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 $102.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expiration XXXX<br> - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. UPLOADED - Seller-12/29/2025<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-12/30/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.25 Required is 50 Borrower has 30.25<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 Required is 680 Borrower has 759 |  | 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 | 6617468 |
| XXXX | 893772 | XXXX C A | Closed | FCRE7009 | 2025-12-16 13:31 | 2025-12-23 16:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Please note RCEs provided are for XXXX, which equals 5 units. - Seller-12/22/2025 <br> Counter-RCE for 4 of the 5 units provided. Please provide the 5th unit. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/18/2025 <br> Counter-Received copy of policy. Please provide RCE confirming sufficient coverage. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/17/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-12/16/2025 | Ready for Review-Please note RCEs provided are for XXXX, which equals 5 units. - Seller-12/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/17/2025 | Resolved-Received RCE - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS HIGHER THEN MIN REQUIREMENT Required is 660 Borrower has 695<br>Months Reserves exceed minimum required - RESERVES EXCEEDS REQUIRMENTS<br>LTV is less than guideline maximum - Required is 75 Borrower has 70.00 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6647321 |
| XXXX | 893772 | XXXX C A | Closed | FCRE1443 | 2025-12-16 14:09 | 2025-12-18 14:42 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Received confirmation asset 2 was not to be considered in qualifying funds. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-The XXXX statement was only included in the loan file to support the cleared EMD. The account was not otherwise used as sufficient funds had been verified without requiring updates statements. - Seller-12/17/2025 <br> Open-Asset 2 Expired - Due Diligence Vendor-12/16/2025 | Ready for Review-The XXXX statement was only included in the loan file to support the cleared EMD. The account was not otherwise used as sufficient funds had been verified without requiring updates statements. - Seller-12/17/2025 | Resolved-Received confirmation asset 2 was not to be considered in qualifying funds. - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS HIGHER THEN MIN REQUIREMENT Required is 660 Borrower has 695<br>Months Reserves exceed minimum required - RESERVES EXCEEDS REQUIRMENTS<br>LTV is less than guideline maximum - Required is 75 Borrower has 70.00 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6648258 |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 835541 | XXXX | XXXX D A |
| XXXX | 835590 | XXXX | XXXX A |
| XXXX | 836876 | XXXX | XXXX D A |
| XXXX | 837044 | XXXX | XXXX C A |
| XXXX | 837116 | XXXX | XXXX D A |
| XXXX | 837118 | XXXX | XXXX D A |
| XXXX | 837507 | XXXX | XXXX C A |
| XXXX | 838034 | XXXX | XXXX A |
| XXXX | 838744 | XXXX | XXXX A |
| XXXX | 838752 | XXXX | XXXX A |
| XXXX | 838923 | XXXX | XXXX A |
| XXXX | 839533 | XXXX | XXXX C A |
| XXXX | 840743 | XXXX | XXXX A |
| XXXX | 840760 | XXXX | XXXX A |
| XXXX | 841124 | XXXX | XXXX D A |
| XXXX | 842225 | XXXX | XXXX C A |
| XXXX | 842516 | XXXX | XXXX C A |
| XXXX | 842547 | XXXX | XXXX A |
| XXXX | 843379 | XXXX | XXXX A |
| XXXX | 843484 | XXXX | XXXX C A |
| XXXX | 844412 | XXXX | XXXX A |
| XXXX | 846629 | XXXX | XXXX A |
| XXXX | 846651 | XXXX | XXXX A |
| XXXX | 846671 | XXXX | XXXX D A |
| XXXX | 846710 | XXXX | XXXX A |
| XXXX | 847006 | XXXX | XXXX C A |
| XXXX | 847351 | XXXX | XXXX C A |
| XXXX | 847361 | XXXX | XXXX C A |
| XXXX | 847523 | XXXX | XXXX C A |
| XXXX | 847533 | XXXX | XXXX D A |
| XXXX | 847588 | XXXX | XXXX C A |
| XXXX | 847603 | XXXX | XXXX A |
| XXXX | 847608 | XXXX | XXXX D A B |
| XXXX | 849865 | XXXX | XXXX D A |
| XXXX | 849882 | XXXX | XXXX D A |
| XXXX | 849892 | XXXX | XXXX A |
| XXXX | 850216 | XXXX | XXXX C A |
| XXXX | 850460 | XXXX | XXXX A |
| XXXX | 851072 | XXXX | XXXX C A |
| XXXX | 851860 | XXXX | XXXX D C A |
| XXXX | 851897 | XXXX | XXXX A |
| XXXX | 851899 | XXXX | XXXX A |
| XXXX | 851901 | XXXX | XXXX A |
| XXXX | 851931 | XXXX | XXXX A |
| XXXX | 852339 | XXXX | XXXX D C A |
| XXXX | 853757 | XXXX | XXXX A |
| XXXX | 853764 | XXXX | XXXX A |
| XXXX | 853798 | XXXX | XXXX A |
| XXXX | 853812 | XXXX | XXXX A B |
| XXXX | 853833 | XXXX | XXXX C A |
| XXXX | 853840 | XXXX | XXXX C A |
| XXXX | 853849 | XXXX | XXXX D A |
| XXXX | 853852 | XXXX | XXXX A |
| XXXX | 853905 | XXXX | XXXX D A |
| XXXX | 853907 | XXXX | XXXX C A |
| XXXX | 855153 | XXXX | XXXX A C |
| XXXX | 855218 | XXXX | XXXX A |
| XXXX | 855228 | XXXX | XXXX A |
| XXXX | 855233 | XXXX | XXXX A |
| XXXX | 855242 | XXXX | XXXX D A |
| XXXX | 855244 | XXXX | XXXX C A |
| XXXX | 855245 | XXXX | XXXX C A |
| XXXX | 855253 | XXXX | XXXX D C A B |
| XXXX | 855255 | XXXX | XXXX C A B |
| XXXX | 855766 | XXXX | XXXX C A |
| XXXX | 856263 | XXXX | XXXX A |
| XXXX | 856393 | XXXX | XXXX C A |
| XXXX | 856437 | XXXX | XXXX D C A B |
| XXXX | 856644 | XXXX | XXXX C A B |
| XXXX | 856961 | XXXX | XXXX A C |
| XXXX | 856964 | XXXX | XXXX C A |
| XXXX | 856965 | XXXX | XXXX A C |
| XXXX | 857049 | XXXX | XXXX A |
| XXXX | 857050 | XXXX | XXXX D A |
| XXXX | 857052 | XXXX | XXXX A C |
| XXXX | 857059 | XXXX | XXXX C A B |
| XXXX | 857061 | XXXX | XXXX D A |
| XXXX | 857065 | XXXX | XXXX A |
| XXXX | 857839 | XXXX | XXXX A C |
| XXXX | 858206 | XXXX | XXXX A |
| XXXX | 858256 | XXXX | XXXX A |
| XXXX | 858417 | XXXX | XXXX C A B |
| XXXX | 858423 | XXXX | XXXX C A |
| XXXX | 858433 | XXXX | XXXX D A |
| XXXX | 858441 | XXXX | XXXX A |
| XXXX | 858442 | XXXX | XXXX A |
| XXXX | 858472 | XXXX | XXXX A |
| XXXX | 858474 | XXXX | XXXX C A |
| XXXX | 858475 | XXXX | XXXX A |
| XXXX | 858507 | XXXX | XXXX A |
| XXXX | 858509 | XXXX | XXXX A |
| XXXX | 858519 | XXXX | XXXX A |
| XXXX | 858520 | XXXX | XXXX D C A |
| XXXX | 858527 | XXXX | XXXX D A |
| XXXX | 858528 | XXXX | XXXX A |
| XXXX | 858530 | XXXX | XXXX D A |
| XXXX | 858532 | XXXX | XXXX A C |
| XXXX | 858541 | XXXX | XXXX C A |
| XXXX | 858545 | XXXX | XXXX C A |
| XXXX | 858549 | XXXX | XXXX D A B |
| XXXX | 858550 | XXXX | XXXX C A B |
| XXXX | 858595 | XXXX | XXXX D A |
| XXXX | 863781 | XXXX | XXXX A |
| XXXX | 863814 | XXXX | XXXX D C A B |
| XXXX | 864232 | XXXX | XXXX A |
| XXXX | 864313 | XXXX | XXXX D A |
| XXXX | 864335 | XXXX | XXXX A |
| XXXX | 864434 | XXXX | XXXX A |
| XXXX | 864536 | XXXX | XXXX C A |
| XXXX | 864610 | XXXX | XXXX A |
| XXXX | 864619 | XXXX | XXXX A |
| XXXX | 864644 | XXXX | XXXX C A |
| XXXX | 864651 | XXXX | XXXX A |
| XXXX | 864653 | XXXX | XXXX C A B |
| XXXX | 864654 | XXXX | XXXX A |
| XXXX | 864657 | XXXX | XXXX A |
| XXXX | 864696 | XXXX | XXXX D A |
| XXXX | 864697 | XXXX | XXXX A |
| XXXX | 864757 | XXXX | XXXX D A |
| XXXX | 864759 | XXXX | XXXX A |
| XXXX | 865384 | XXXX | XXXX A |
| XXXX | 865513 | XXXX | XXXX C A B |
| XXXX | 865737 | XXXX | XXXX C D A |
| XXXX | 865764 | XXXX | XXXX C A |
| XXXX | 866118 | XXXX | XXXX C A B |
| XXXX | 866120 | XXXX | XXXX C A |
| XXXX | 866134 | XXXX | XXXX C A B |
| XXXX | 866140 | XXXX | XXXX D A |
| XXXX | 866289 | XXXX | XXXX C A |
| XXXX | 866374 | XXXX | XXXX C A |
| XXXX | 866575 | XXXX | XXXX C A |
| XXXX | 866577 | XXXX | XXXX A |
| XXXX | 866578 | XXXX | XXXX A |
| XXXX | 866579 | XXXX | XXXX A C |
| XXXX | 866580 | XXXX | XXXX A |
| XXXX | 866860 | XXXX | XXXX A |
| XXXX | 866913 | XXXX | XXXX A |
| XXXX | 866936 | XXXX | XXXX A |
| XXXX | 866944 | XXXX | XXXX D A |
| XXXX | 866973 | XXXX | XXXX C A B |
| XXXX | 867019 | XXXX | XXXX D A |
| XXXX | 867800 | XXXX | XXXX A |
| XXXX | 867818 | XXXX | XXXX A |
| XXXX | 867867 | XXXX | XXXX A C |
| XXXX | 867940 | XXXX | XXXX C A |
| XXXX | 867972 | XXXX | XXXX A |
| XXXX | 868524 | XXXX | XXXX C A |
| XXXX | 868641 | XXXX | XXXX C A B |
| XXXX | 868804 | XXXX | XXXX A |
| XXXX | 869056 | XXXX | XXXX A |
| XXXX | 869060 | XXXX | XXXX C A |
| XXXX | 869061 | XXXX | XXXX C A |
| XXXX | 869104 | XXXX | XXXX A |
| XXXX | 869105 | XXXX | XXXX A |
| XXXX | 869109 | XXXX | XXXX A |
| XXXX | 869129 | XXXX | XXXX A |
| XXXX | 869137 | XXXX | XXXX A |
| XXXX | 869139 | XXXX | XXXX A C B |
| XXXX | 869140 | XXXX | XXXX A |
| XXXX | 869145 | XXXX | XXXX A |
| XXXX | 869901 | XXXX | XXXX A |
| XXXX | 870093 | XXXX | XXXX C A |
| XXXX | 870913 | XXXX | XXXX A |
| XXXX | 871056 | XXXX | XXXX A |
| XXXX | 871079 | XXXX | XXXX C A |
| XXXX | 871141 | XXXX | XXXX C A |
| XXXX | 871152 | XXXX | XXXX A |
| XXXX | 871168 | XXXX | XXXX D A B |
| XXXX | 871172 | XXXX | XXXX B A |
| XXXX | 871332 | XXXX | XXXX A |
| XXXX | 871832 | XXXX | XXXX C A |
| XXXX | 872200 | XXXX | XXXX A |
| XXXX | 872609 | XXXX | XXXX A C |
| XXXX | 872610 | XXXX | XXXX A |
| XXXX | 872615 | XXXX | XXXX A |
| XXXX | 872627 | XXXX | XXXX C A B |
| XXXX | 872629 | XXXX | XXXX C A |
| XXXX | 872630 | XXXX | XXXX A |
| XXXX | 875356 | XXXX | XXXX C A B |
| XXXX | 875491 | XXXX | XXXX D A B |
| XXXX | 875493 | XXXX | XXXX A C |
| XXXX | 875496 | XXXX | XXXX A |
| XXXX | 875513 | XXXX | XXXX A |
| XXXX | 875515 | XXXX | XXXX A |
| XXXX | 875516 | XXXX | XXXX D A |
| XXXX | 875517 | XXXX | XXXX D A |
| XXXX | 875528 | XXXX | XXXX D A |
| XXXX | 875535 | XXXX | XXXX A |
| XXXX | 876623 | XXXX | XXXX A |
| XXXX | 876643 | XXXX | XXXX C A |
| XXXX | 878337 | XXXX | XXXX A |
| XXXX | 878342 | XXXX | XXXX D A B |
| XXXX | 878372 | XXXX | XXXX C A |
| XXXX | 878556 | XXXX | XXXX C A |
| XXXX | 878558 | XXXX | XXXX C A |
| XXXX | 878559 | XXXX | XXXX A C |
| XXXX | 878621 | XXXX | XXXX C A |
| XXXX | 878660 | XXXX | XXXX C A |
| XXXX | 878663 | XXXX | XXXX A |
| XXXX | 878665 | XXXX | XXXX A |
| XXXX | 878667 | XXXX | XXXX A |
| XXXX | 878690 | XXXX | XXXX D A |
| XXXX | 878698 | XXXX | XXXX C A |
| XXXX | 878724 | XXXX | XXXX A |
| XXXX | 878747 | XXXX | XXXX A |
| XXXX | 878755 | XXXX | XXXX A |
| XXXX | 878762 | XXXX | XXXX A |
| XXXX | 878764 | XXXX | XXXX A |
| XXXX | 879674 | XXXX | XXXX C A |
| XXXX | 879893 | XXXX | XXXX A C |
| XXXX | 880268 | XXXX | XXXX D A |
| XXXX | 880319 | XXXX | XXXX A C |
| XXXX | 880321 | XXXX | XXXX A |
| XXXX | 880325 | XXXX | XXXX A |
| XXXX | 880346 | XXXX | XXXX D A |
| XXXX | 880347 | XXXX | XXXX A |
| XXXX | 880364 | XXXX | XXXX A |
| XXXX | 880405 | XXXX | XXXX C A |
| XXXX | 880441 | XXXX | XXXX D B A |
| XXXX | 880442 | XXXX | XXXX C A |
| XXXX | 880443 | XXXX | XXXX C A |
| XXXX | 880444 | XXXX | XXXX A |
| XXXX | 880456 | XXXX | XXXX C A |
| XXXX | 881216 | XXXX | XXXX D A B |
| XXXX | 882018 | XXXX | XXXX A |
| XXXX | 883220 | XXXX | XXXX A |
| XXXX | 883222 | XXXX | XXXX C A |
| XXXX | 883223 | XXXX | XXXX C A |
| XXXX | 883226 | XXXX | XXXX D A |
| XXXX | 883363 | XXXX | XXXX A |
| XXXX | 883370 | XXXX | XXXX A |
| XXXX | 883371 | XXXX | XXXX A |
| XXXX | 884640 | XXXX | XXXX D A B |
| XXXX | 885657 | XXXX | XXXX C A |
| XXXX | 886460 | XXXX | XXXX A |
| XXXX | 888248 | XXXX | XXXX A C B |
| XXXX | 888254 | XXXX | XXXX A |
| XXXX | 888260 | XXXX | XXXX D A |
| XXXX | 888264 | XXXX | XXXX A |
| XXXX | 888278 | XXXX | XXXX A |
| XXXX | 888279 | XXXX | XXXX D A |
| XXXX | 888291 | XXXX | XXXX D C A |
| XXXX | 888292 | XXXX | XXXX A |
| XXXX | 888294 | XXXX | XXXX D A |
| XXXX | 888308 | XXXX | XXXX A |
| XXXX | 888309 | XXXX | XXXX C A B |
| XXXX | 888316 | XXXX | XXXX D C A B |
| XXXX | 888359 | XXXX | XXXX C A |
| XXXX | 890238 | XXXX | XXXX D A |
| XXXX | 890283 | XXXX | XXXX D A |
| XXXX | 890293 | XXXX | XXXX C A B |
| XXXX | 891715 | XXXX | XXXX A C B |
| XXXX | 892350 | XXXX | XXXX A |
| XXXX | 893772 | XXXX | XXXX C A |
| XXXX | 910474 | XXXX | XXXX A |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 835541 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 835590 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 836876 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 837044 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69.66 | 69.66 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | 837116 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 837118 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 837507 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 838034 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | -.0785 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0785 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 838744 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 838752 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 838923 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.01 | 66.01 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 839533 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 74.63 | 74.63 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 840743 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 840760 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0238 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0471 | 95 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0238 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 841124 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 842225 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 842516 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 842547 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 843379 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 44.31 | 44.31 | XXXX | XXXX | -.0668 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0668 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 843484 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 844412 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 846629 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 846651 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 846671 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 846710 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0171 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0171 | 97 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | 847006 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 847351 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 847361 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | 847523 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 847533 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.66 | 79.66 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XXXX |
| XXXX | 847588 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 847603 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69 | 69 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 847608 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | 849865 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 849882 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0397 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0397 | 93 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 849892 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 850216 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 850460 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.76 | 56.76 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible |  |  |
| XXXX | 851072 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 851860 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0308 | 1073 Individual Condo Report |  |  |  |  | XXXX | XXXX | .0308 | XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0308 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 851897 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0635 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0635 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 851899 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 851901 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.42 | 42.42 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 851931 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 852339 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.81 | 74.81 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 853757 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 853764 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0187 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0187 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 853798 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 853812 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 55 | 55 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 853833 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 853840 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 853849 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 853852 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 853905 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 853907 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 855153 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 76.7 | 76.7 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 855218 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 855228 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 855233 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0198 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0198 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0198 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 855242 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 56.67 | 56.67 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 855244 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 855245 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 855253 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 855255 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 855766 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 856263 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 856393 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 856437 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 856644 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 856961 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 856964 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 856965 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 857049 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 857050 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 857052 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 857059 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 857061 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 857065 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 857839 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 858206 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1853 | 94 | 0.06 | XXXX | XXXX | XXXX | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 858256 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.97 | 68.97 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 858417 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 858423 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 858433 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0401 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0401 | 94 | 0.06 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | 858441 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 858442 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 4.3 | XXXX |
| XXXX | 858472 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 858474 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.88 | 26.88 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 858475 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 858507 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | 858509 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.4 | 74.4 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 858519 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 858520 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 44.12 | 44.12 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 858527 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0239 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0239 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 858528 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 858530 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 858532 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.79 | 64.79 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 858541 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 858545 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0934 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0934 | 97 | 0.03 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 858549 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.45 | 79.45 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | 858550 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 858595 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX | 863781 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.63 | 53.63 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 863814 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.86 | 79.86 | XXXX | XXXX | -.0088 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0088 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 864232 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 864313 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 864335 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.94 | 40.94 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 864434 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 864536 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.66 | 37.66 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 864610 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 864619 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.2 | 42.2 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | 864644 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 864651 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 864653 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 864654 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 864657 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 864696 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 864697 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.92 | 34.92 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 864757 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 864759 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.94 | 66.94 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 865384 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50 | 50 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 865513 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 865737 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2 | XXXX |
| XXXX | 865764 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 866118 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 84.69 | 84.69 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 866120 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 58.52 | 58.52 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 866134 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0386 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0386 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 866140 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50.51 | 50.51 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 866289 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 866374 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 866575 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.07 | 45.07 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 866577 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 866578 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 866579 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 866580 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 866860 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 64.52 | 64.52 | XXXX | XXXX | .0695 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0695 | 95 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 866913 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 866936 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 866944 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 866973 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 867019 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 867800 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 78 | 78 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 867818 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.22 | 52.22 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.2 | XXXX |
| XXXX | 867867 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 867940 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 867972 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0354 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0354 | 93 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 868524 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 868641 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 868804 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 869056 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 869060 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 43.8 | 43.8 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 869061 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 869104 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 869105 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 67.69 | 67.69 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 869109 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.8 | 59.8 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 869129 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 869137 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 869139 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.39 | 73.39 | XXXX | XXXX | -.0507 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 869140 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72.04 | 72.04 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 869145 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 869901 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 870093 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 870913 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 871056 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 871079 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 871141 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0101 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0101 | 96 | 0.04 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 871152 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 871168 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 871172 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 871332 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 871832 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0140 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0140 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 872200 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2 | XXXX |
| XXXX | 872609 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 872610 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 872615 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 872627 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 59.11 | 59.11 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.7 | XXXX |
| XXXX | 872629 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 872630 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 875356 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 875491 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | 875493 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.7 | XXXX |
| XXXX | 875496 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.63 | 52.63 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | 875513 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 875515 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | 875516 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 875517 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.39 | 63.03 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 875528 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 61.73 | 61.73 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 875535 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004C Manufactured Home | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0927 | 92 | 0.08 | XXXX | XXXX | XXXX | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 876623 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 33.46 | 33.46 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 876643 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 878337 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65.53 | 65.53 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 878342 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 878372 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 878556 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.21 | 79.21 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 878558 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 52.07 | 52.07 | XXXX | XXXX | -.0815 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0815 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 878559 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 878621 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.0541 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0541 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 878660 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 878663 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 878665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.14 | 57.14 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 878667 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.51 | 39.51 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 878690 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 878698 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55.37 | 55.37 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 878724 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | 878747 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 878755 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.45 | 45.45 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 878762 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | 878764 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 56.75 | 56.75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | 879674 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 879893 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 66.46 | 66.46 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 880268 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | -.0515 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0515 | 93 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 880319 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.02 | 58.02 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 880321 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.9 | 68.9 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 880325 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.33 | 33.33 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 880346 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 55 | 55 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | 880347 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 880364 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.7 | XXXX |
| XXXX | 880405 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | 880441 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 880442 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 48 | 48 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 880443 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 35.33 | 35.33 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 880444 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 42.86 | 42.86 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 880456 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 881216 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0766 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0766 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 882018 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 883220 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0729 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0729 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 883222 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | 883223 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 53.92 | 53.92 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 883226 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.27 | 74.27 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 883363 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 883370 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0154 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0154 | 95 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 883371 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 884640 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0007 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0007 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | .0007 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 885657 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 886460 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0499 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0499 | 93 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 888248 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73 | 73 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 888254 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 888260 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 69 | 69 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 888264 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 79.77 | 79.77 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 888278 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 888279 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 888291 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.86 | 58.86 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 888292 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 888294 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.96 | 54.96 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 888308 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | 888309 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 888316 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 48.19 | 48.19 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 888359 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 50 | 50 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 890238 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 79.34 | 79.34 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 890283 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 42.96 | 42.96 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 890293 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 73.77 | 73.77 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 891715 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 892350 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 893772 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0047 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0047 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 910474 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4**

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Sutton Funding LLC, (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the client or its designee for review.

**Sample size of the assets reviewed.** 

The final population of the Review covered 27 loans, consisting of 3 Residential loans and 24 Business Purpose loans, totaling an aggregate original principal balance of approximately $13,271,992.00 Evolve is not aware of the overall securitization population as other third-party review (TPR") firms may have reviewed loans within the overall securitization loan population.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for Moody's Investors Service, Inc. and S&P Global Ratings ("S&P"), the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the diligence system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

---

![](ex99-4_001.jpg)

Forward Thinking. Seamless Solutions.

**<u>Scope of Review</u>**

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine if there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

 

*Credit Application*

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

 

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

 

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

 

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

---

| | | |
|:---|:---|:---|
| ![](ex99-4_002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](ex99-4_001.jpg)

Forward Thinking. Seamless Solutions.

*Valuation Review*

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

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

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

 

*Asset Review*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

 

---

| | | |
|:---|:---|:---|
| ![](ex99-4_002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](ex99-4_001.jpg)

Forward Thinking. Seamless Solutions.

*Insurance*

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

 

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

 

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan.

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal reports are reviewed
in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner
or tenant occupancy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Final Form 1003/Loan application
is reviewed to ensure 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Certification of Non-Owner Occupancy
and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence
address differs from the subject property address, and is signed/dated as required.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Primary Residence address(es)
listed are compared for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and
Indemnity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review additional items for confirmation
of non-owner occupancy possibly including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o That the credit report address
is different than the subject property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is a lease in place if
the loan is a refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o There is landlord insurance on
the property

---

| | | |
|:---|:---|:---|
| ![](ex99-4_002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](ex99-4_001.jpg)

Forward Thinking. Seamless Solutions.

**<u>Debt Service Coverage Ratio (DSCR)</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Calculate DSCR as required by
the guidelines

**<u>Data Collection</u>**

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

---

| | | |
|:---|:---|:---|
| ![](ex99-4_002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](ex99-4_001.jpg)

Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;24 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;24 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;85.19% | &nbsp;&nbsp;23 | &nbsp;&nbsp;85.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;14.81% | &nbsp;&nbsp;4 | &nbsp;&nbsp;14.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| ![](ex99-4_002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](ex99-4_001.jpg)

Forward Thinking. Seamless Solutions.

**Overall Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &nbsp;&nbsp;85.19% | &nbsp;&nbsp;23 | &nbsp;&nbsp;85.19% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;14.81% | &nbsp;&nbsp;4 | &nbsp;&nbsp;14.81% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**27** | &nbsp;&nbsp;**100.00%** |

---

**Data Results Summary**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;27 | &nbsp;&nbsp;25.93% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;12 | &nbsp;&nbsp;27 | &nbsp;&nbsp;44.44% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;27 | &nbsp;&nbsp;70.37% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;15 | &nbsp;&nbsp;27 | &nbsp;&nbsp;55.56% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;27 | &nbsp;&nbsp;7.41% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;27 | &nbsp;&nbsp;27 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;7 | &nbsp;&nbsp;27 | &nbsp;&nbsp;25.93% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% |

---

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|:---|:---|:---|
| ![](ex99-4_002.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 6 \| P a g e |

---

![](ex99-4_001.jpg)

Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

 ****

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

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

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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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; and

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

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

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

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

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 loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(V) Federal and state specific late charge and prepayment penalty provisions;**

**(VI) Document Review**

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final application (1003);

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures; and

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

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014</u>**

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

**(VII) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

 

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

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

 

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

i) timing and content of the right to receive copy of appraisal disclosure; <br> ii) charging of a fee for a copy of the appraisal or other written valuation; <br> iii) timing of creditor providing a copy of each appraisal or other written valuation;

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iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

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

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## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

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| **Data Compare** |
| **Run Date - 02/10/2026 8:00:06 AM** |

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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1680176 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | P&L | Verified |
| 1680176 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1680176 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1680176 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1680177 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1680177 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683165 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683165 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683165 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | Verified |
| 1683165 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | Appraised Value | XXXX | XXXX | Verified |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | DSCR | 1.070 | 1.100 | Verified |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | Original Interest Rate | XXXXXX | XXXXX | Verified |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | Original P&I | 1397.00 | 1363.47 | Verified |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1671710 | XXXXXXXXXXX | XXXXXXXXXXX | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| 1671710 | XXXXXXXXXXX | XXXXXXXXXXX | Maturity Date | XX/XX/XXXX | XX/XX/XXXX | Verified |
| 1671710 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1671710 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1671710 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1673955 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1673955 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1673955 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1673955 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683079 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683079 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1683079 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED NO PPP | BPACC30Y | Verified |
| 1683079 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1681254 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1681254 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1681254 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1681254 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 2 YR PPP | BPACC30Y2YPP | Verified |
| 1681254 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BFNINC 30 YR FIXED 5 YEAR PPP STEP DN | BFNINC30F5PPSD | Verified |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 14.10700 | 0.14107 | Verified |
| 1680364 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1680364 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1680364 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1680364 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 45.63200 | 0.45632 | Verified |
| 1678990 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1678990 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1678990 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1678990 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1678990 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 27.87400 | 0.31796 | Verified |
| 1679377 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1679377 | XXXXXXXXXXX | XXXXXXXXXXX | Property Zip | XXXXX | XXXXX | Verified |
| 1679377 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1685549 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1685549 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685549 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Verified |
| 1685549 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1681396 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1681396 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1681396 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | CACT 30 YR FIXED | CACT30YF | Verified |
| 1681396 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1681396 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 34.60900 | 0.34609 | Verified |
| 1681396 | XXXXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1680190 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Debt Service Coverage | DSCR+Asset Depletion | Verified |
| 1680190 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1680190 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1680190 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683758 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683758 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683758 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683084 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683084 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1683084 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683084 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | Verified |
| 1683084 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683088 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683088 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683088 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 3 YEAR PPP STEP DN | BPACC30YF3YPPSD | Verified |
| 1683088 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | Verified |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | Condo-Lo 1-4 Stories | Condo-Mid 5-8 Stories | Verified |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683757 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683757 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1683757 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683757 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Verified |
| 1683757 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | DSCR | 0.400 |  | Verified |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Bank Statement | Verified |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 3.91200 | 0.03912 | Verified |
| 1683185 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683185 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683185 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Verified |
| 1683185 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1684264 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1684264 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1684264 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BPACC 30 YR FIXED 5 YEAR PPP STEP DN | BPACC30Y5YPPSD | Verified |
| 1684264 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BFNINC 30 YR FIXED 3 YR PPP | BFNINC30F3PP | Verified |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 26.13300 | 0.26133 | Verified |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | DSCR | 1.030 |  | Verified |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BFNINC 30 YR FIXED 3 YEAR PPP STEP DN | BFNINC30F3PPSD | Verified |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 36.12200 | 0.36122 | Verified |
| 1684768 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1684768 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1683194 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date |  | XXXXXXXX | Verified |
| 1683194 | XXXXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1683194 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683194 | XXXXXXXXXXX | XXXXXXXXXXX | Product Code | BAMFN 30 YR FIXED 5 YEAR PPP STEP DN | BAMFN30YFIO5PPPSD | Verified |
| 1683194 | XXXXXXXXXXX | XXXXXXXXXXX | Property Type | PUD-Detached | PUD-Attached | Verified |
| 1683194 | XXXXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| |
|:---|
| ![](ex99-4sch2_001.jpg) |
| **Exception Detail** |
| **Run Date - 02/10/2026 8:00:06 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1671710 | XXXXXXXXXXX | XXXXXXXXXXX | 7152784 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require all judgements and liens to be paid in full prior to or at closing. XXXXXXXXX request to allow judgement of XXXXXXXXXXXXX filed XXXXXXXXXX to remain open. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX of XXX months where the minimum required was XX months; XXXXX of XXXXXXX where the minimum is XXXXXX |  |  |  | 08/18/2025 B | 2 | XXXXXXXXXX | NJ | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1678990 | XXXXXXXXXXX | XXXXXXXXXXX | 7170464 | 973 | XXXXXXXXXX | Credit | Compliance |  | Compliance - CD- Other |  | SS missing funded date. XXXXXXXX XXXXXXXXXXX XXXXXXXXXX with loan disbursement date. | Information provided |  |  | 10/27/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1680364 | XXXXXXXXXXX | XXXXXXXXXXX | 7213592 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The lender''''s income calculation analysis/worksheets were not provided. | Documentation provided. |  |  | 11/13/2025 |  | A | 1 | XXXXXXXXXX | NJ | 1 | 3 C A | A | A |  | Exempt | 1 |
| 1681254 | XXXXXXXXXXX | XXXXXXXXXXX | 7236082 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower''''s most recent XXX month housing history includes living rent free with a non-spouse, which violates the guidelines. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX of XXXXXX months after closing where only zero months were required, XXXXX of XXXXXX where XXXXXX was required and XXXX fico score where the minimum required is XXXXX |  |  |  | 11/17/2025 B | 2 | XXXXXXXXXX | FL | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | 7308416 | 879 | XXXXXXXXXX | Credit | Application |  | Application - Other: |  | The XXXXX XXXXXXXXXXX and XXXXXXXX XXX are both missing on the application. | documents received |  |  | 12/05/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | 7314671 | 323 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | There was no verification in the loan file of the borrower''''s credit history as required per guidelines XXXXXXXX national borrowers without qualifying XXXXXXX credit must provide evidence of two tradelines reporting for XXX months or one tradeline reporting for XXX months. XXXX credit reference letter must be from a verified financial institution in the borrower's county of origin and from an internationally known financial institution. XXXX letter of reference must state the type and length of the relationship, how the account is held, payment amount, outstanding balance and status of account including a minimum XXXXXXXXX payment history and individual account details must be provided. | per guidelines, XXXX financial reference letter must be from a verified financial institution/s in the borrower's country of origin. XXX must state the type and length of the relationship, how the account is held, current balance and status of account confirming no XXXXXXXXX ending or starting balances or XXXXX for the past XXX months |  |  | 12/08/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | 7308207 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | A XXXXXX report was not provided. XXXXXXXX fraud report with all high and medium alerts cleared. | Received XXXXX XXXXXX XXXXXX report and XXXXXXXX XXXXXXX XXXXXXX |  | Reviewer 12/06/2025 09:41 AM; <br>| 12/06/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | 7308249 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Guidelines require a verbal verification of the XXXX and the letter provided with income information was provided by the XXXXXX XXX verification was provided. | Received business document verifying XXX |  |  | 12/06/2025 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | 7337453 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | The XXXXXXXXXX XXXXXXXXXXX provided by the borrowers reflects the need for both XXXXXXXX of the corporation to execute all legal documentation for the acquisition of the subject property. XXXXX one officer signed the legal documentation for the acquisition. | Both borrowers signed the XXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXXXXXX |  |  | 12/15/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1683185 | XXXXXXXXXXX | XXXXXXXXXXX | 7321816 | 261 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Misrepresentation |  | Photo of bedroom in XXXXX XX is listed as a bathroom. | Received revised appraisal photos |  |  | 12/29/2025 |  | A | 1 | XXXXXXXXXX | NY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1683185 | XXXXXXXXXXX | XXXXXXXXXXX | 7313165 | 973 | XXXXXXXXXX | Credit | Compliance |  | Compliance - CD- Other |  | SS has a funding date of XXXXXXXXXXX and a settlement date of XXXXXXXXXXXXX XXXXX closed on XXXXXXXXXXXXX XXXXXXXX updated XXX with correct funding date. | Information provided |  | Reviewer 12/10/2025 01:00 PM; Please provide all pages of the correct final XX<br>| 12/12/2025 |  | A | 1 | XXXXXXXXXX | NY | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | 7337712 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | There was no verification in the loan file of the borrower''''s credit history as required per guidelines XXXXXXXX national borrowers without qualifying XXXXXXX credit must provide evidence of two tradelines reporting for XXX months or one tradeline reporting for XXX months. XXXX credit reference letter must be from a verified financial institution in the borrower's county of origin and from an internationally known financial institution. XXXX letter of reference must state the type and length of the relationship, how the account is held, payment amount, outstanding balance and status of account including a minimum XXXXXXXXX payment history and individual account details must be provided. | Per guideline, a financial reference letter must be from a verified financial institution/s in the borrower's country of origin. XXX must state the type and length of the relationship, how the account is held, current balance and status of account confirming no XXXXXXXXX ending or starting balances or XXXXX for the past XXX months. |  | Reviewer 12/09/2025 09:24 PM; The document received is a letter regarding XXXXXXXXXXXXXX XXXXXXXX relationship and not credit history of XX tradelines for XXX months or XX tradeline for XXX months.<br>| 12/10/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | 7337713 | 384 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employment status required |  | There was no independent verification of the borrower's self-employed business XXXX XXXX verification (via XXXXXXXXXXXX X | Received translation for XXXX and borrower''''s business confirmed through XXX |  | Reviewer 12/09/2025 09:30 PM; The document provided for XXXXXXXX XXXXXXXXXX is in a foreign language and cannot be used as verification of the XXXXXX XXXXXX did not receive third party verification of borrower''''s business<br>| 12/10/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | 7344476 | 1014 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide XXXX statement analysis worksheet for the borrower. | Received XXXX statement income worksheet |  |  | 12/15/2025 |  | A | 1 | XXXXXXXXXX | NY | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | 7344609 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Provide rent-free letter signed/dated from spouse and a copy of the second lien mortgage statement (original amount XXXXXXXXXX dated XXXXXXXXXXXXX which is secured by the borrower''''s primary residence as required per guidelines XXXXXXXXXX living rent free with a spouse are acceptable with rent-free letter from spouse and evidence of spouse's mortgage. | Per XXXXXXXXX mtg statements they are not in the borrower''''s name. XXXXXXX only |  |  | 12/16/2025 |  | A | 1 | XXXXXXXXXX | NY | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1683758 | XXXXXXXXXXX | XXXXXXXXXXX | 7395126 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed for sufficient reserves |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX fico score where the minimum required is XXXXX XXXXX of XXXXX where the minimum required is XXXXXX and XXXXXXXXXX credit payment history. |  |  |  | 12/15/2025 B | 2 | XXXXXXXXXX | NY | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1683758 | XXXXXXXXXXX | XXXXXXXXXXX | 7395196 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed for judgments and tax lien paid prior to closing being un-sourced as per guidelines for a rate/term refinance, all judgments and liens must be paid prior to closing, and the source of funds must be verified. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX fico score where the minimum required is XXXXX XXXXX of XXXXX where the minimum required is XXXXXX and XXXXXXXXXX credit payment history. |  |  |  | 12/15/2025 B | 2 | XXXXXXXXXX | NY | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1683758 | XXXXXXXXXXX | XXXXXXXXXXX | 7395264 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Exception needed for a XXXXX-time investor and for an investment property without a XXXXXXXXX primary housing payment history as required per guidelines/matrix a XXXXX-time investor must have a complete XXXXXXXXX housing history and an investment property transaction must have a XXXXXXXXX housing history when living rent free with someone other than a spouse when not locked with an XXXXX for living rent free. |  | Client XXXXXXX with XXXXXXXXXXXXX XXXXXXXXX XXXX fico score where the minimum required is XXXXX XXXXX of XXXXX where the minimum required is XXXXXX and no credit lates > XXX months. |  |  |  | 12/15/2025 B | 2 | XXXXXXXXXX | NY | 3 | 3 C B | N/A | N/A |  | Exempt | 1 |
| 1684264 | XXXXXXXXXXX | XXXXXXXXXXX | 7409587 | 399 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Gift Letter (fully executed) |  | Provide fully executed gift letter in the amount of XXXXXXXXXXXXXX as evidenced on the settlement statement. | Corrected gift letter provided |  | Client 12/23/2025 02:07 PM; Please see correct gift letter which should have been included in the original upload. XXXXXXXXXXXX XXXXXX you so much. <br>Reviewer 12/23/2025 03:39 PM; Condition has been reviewed. XXX<br>| 12/23/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684768 | XXXXXXXXXXX | XXXXXXXXXXX | 7513442 | 356 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - Not Authorized |  | Borrower is currently living in the subject property, and occupancy is investment property which per guidelines the borrower or family members are not permitted to live in subject under the XXXXX program/matrix. |  | Exception approval received for borrower currently living in subject property and preparing to XXXXXXXXXX XXXXXXXXX of XXXXXXXXXX months via cash proceeds from transaction. XXXX XXXXXXXXXXX XXXXX XXXXX |  |  |  | 01/05/2026 B | 2 | XXXXXXXXXX | CA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| |
|:---|
| ![](ex99-4sch3_001.jpg) |
| **QM ATR Data** |
| **Run Date - 02/10/2026 8:00:06 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1680176 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 10/16/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680177 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683165 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1671710 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1673955 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683079 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681254 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Self-Employed |  | Foreign National |  |  |  | No |  |
| 1680364 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 10/22/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1678990 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1679377 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685549 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1681396 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | Yes |  | 10/14/2025 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1680190 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683758 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683084 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1683088 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683757 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1683185 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684264 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Self-Employed | Not Required | Foreign National |  | Foreign National |  | No |  |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Self-Employed |  | Foreign National |  |  |  | No |  |
| 1684768 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1683194 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No |  |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

---

| |
|:---|
| ![](ex99-4sch4_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 02/10/2026 8:00:06 AM** |

---

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1680176 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680177 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1683165 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1671710 | XXXXXXXXXXX | XXXXXXXXXXX | 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 |
| 1673955 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1683079 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681254 | XXXXXXXXXXX | XXXXXXXXXXX | 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 |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1680364 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1678990 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1679377 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685549 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1681396 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1680190 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1683758 | XXXXXXXXXXX | XXXXXXXXXXX | 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 |
| 1683084 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1683088 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1683757 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1683185 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684264 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684768 | XXXXXXXXXXX | XXXXXXXXXXX | 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 |
| 1683194 | XXXXXXXXXXX | XXXXXXXXXXX | 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

**Exhibit 99.4 Schedule 5**

---

| |
|:---|
| ![](ex99-4sch5_001.jpg) |
| **Valuation Report** |
| **Run Date - 02/10/2026 8:00:06 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1680176 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.4 |
| 1680177 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1683165 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1678871 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1671710 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1673955 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -8.99% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683079 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1681254 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1683082 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1680364 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -7.79% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1678990 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1679377 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| 1685549 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| 1681396 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.6 |
| 1680190 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1683758 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1683084 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683088 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| 1683182 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1683757 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683355 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1073 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| 1683185 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXXX | XXXXXX | XXXXXXXX | 1025 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684264 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1683101 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1683191 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684768 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1683194 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

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