# EDGAR Filing Document

**Accession Number:** 0002109910
**File Stem:** 0001213900-26-042463
**Filing Date:** 2026-4
**Character Count:** 2407475
**Document Hash:** 3a1042b0aa7d0ae0252433886acd09ed
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-042463.hdr.sgml**: 20260410

**ACCESSION NUMBER**: 0001213900-26-042463

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

**PUBLIC DOCUMENT COUNT**: 54

**CONFORMED PERIOD OF REPORT**: 20260410

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

**FILED AS OF DATE**: 20260410

**DATE AS OF CHANGE**: 20260410

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM5 LLC
- **CENTRAL INDEX KEY:** 0002109910

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-08455
- **FILM NUMBER:** 26854783

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM5 LLC
- **CENTRAL INDEX KEY:** 0002109910

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** New Residential Funding 2026-NQM5 LLC
- **CENTRAL INDEX KEY:** 0002109910

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003
- **BUSINESS PHONE:** 2128507770

**MAIL ADDRESS:**
- **STREET 1:** 799 BROADWAY
- **STREET 2:** 8TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10003

OMB Number: 3235-0675

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

<br> **FORM ABS-15G**

**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) ☐

<u>☒</u> Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of sponsor: <u>0002109910</u>

NEW RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM5

(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>

Philip Sivin, 212-798-6100

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 an Exhibit 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.

---

| | | |
|:---|:---|:---|
|  | NEW RESIDENTIAL FUNDING 2026-NQM5 LLC | NEW RESIDENTIAL FUNDING 2026-NQM5 LLC |
| Date: April 10, 2026 | By: | /s/ Nicola Santoro, Jr. |
|  | Name: | Nicola Santoro, Jr. |
|  | Title: | Chief Financial Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1 - Third Party Due Diligence Report - Infinity Executive Summary](ea028589601_ex99-1.htm)

[Schedule 1 - Valuation Report](ea028589601_ex99-1sch1.htm)

[Schedule 2 – Rating Agency Grades Report](ea028589601_ex99-1sch2.htm)

[Schedule 3 - Data Compare](ea028589601_ex99-1sch3.htm)

[Schedule 4 –Loan Level Exception Report](ea028589601_ex99-1sch4.htm)

[Schedule 5 – Individual Exception Report](ea028589601_ex99-1sch5.htm)

[99.2 - Third Party Due Diligence Report - Opus Executive Summary](ea028589601_ex99-2.htm)

[Schedule 1 – Valuation Report](ea028589601_ex99-2sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea028589601_ex99-2sch2.htm)

[Schedule 3 – Business Purpose Supplemental Extract](ea028589601_ex99-2sch3.htm)

[Schedule 4 – Standard Findings Report](ea028589601_ex99-2sch4.htm)

[Schedule 5 – Data Compare](ea028589601_ex99-2sch5.htm)

[Schedule 6 – ATR QM Report](ea028589601_ex99-2sch6.htm)

[99.3 - Third Party Due Diligence Report – Clayton Executive Summary](ea028589601_ex99-3.htm)

[Schedule 1 – Valuations Summary](ea028589601_ex99-3sch1.htm)

[Schedule 2 – Non ATR QM Report](ea028589601_ex99-3sch2.htm)

[Schedule 3 – Conditions Detail](ea028589601_ex99-3sch3.htm)

[Schedule 4 – Rating Agency ATR QM Report](ea028589601_ex99-3sch4.htm)

[Schedule 5 – Loan Level Tape Compare](ea028589601_ex99-3sch5.htm)

[Schedule 6 – Loan Grades](ea028589601_ex99-3sch6.htm)

[99.4 - Third Party Due Diligence Report – AMC Executive Summary](ea028589601_ex99-4.htm)

[Schedule 1 – Valuation Summary](ea028589601_ex99-4sch1.htm)

[Schedule 2 – Business Purpose Report](ea028589601_ex99-4sch2.htm)

[Schedule 3 – Rating Agency Grades](ea028589601_ex99-4sch3.htm)

[Schedule 4 – Data Compare](ea028589601_ex99-4sch4.htm)

[Schedule 5 – Exception Grades](ea028589601_ex99-4sch5.htm)

[99.5 - Third Party Due Diligence Report - Clarifii Executive Summary](ea028589601_ex99-5.htm)

[Schedule 1 – Valuation Report](ea028589601_ex99-5sch1.htm)

[Schedule 2 – Rating Agency Grades Summary](ea028589601_ex99-5sch2.htm)

[Schedule 3 – Rating Agency Grades Detail](ea028589601_ex99-5sch3.htm)

[Schedule 4 – ATR QM Report](ea028589601_ex99-5sch4.htm)

[Schedule 5 – Data Compare](ea028589601_ex99-5sch5.htm)

[Schedule 6 – Business Purpose Supplemental Extract](ea028589601_ex99-5sch6.htm)

[99.6 - Third Party Due Diligence Report – Consolidated Analytics Executive Summary](ea028589601_ex99-6.htm)

[Schedule 1 - Rating Agency Grades Report](ea028589601_ex99-6sch1.htm)

[Schedule 2 – Due Diligence Standard Report](ea028589601_ex99-6sch2.htm)

[Schedule 3 – Valuations Report](ea028589601_ex99-6sch3.htm)

[Schedule 4 – Data Compare](ea028589601_ex99-6sch4.htm)

## Exhibit 99.1

**Exhibit 99.1**

![](ex99-1_002.jpg)

![](ex99-1_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM5**

**April 3, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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![](ex99-1_002.jpg)

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 17.0 |
| Additional Loan Population Summary | 17.0 |

---

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![](ex99-1_002.jpg)

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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![](ex99-1_002.jpg)

**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Rithm Capital Corp. ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of one hundred and fifty-six (156) mortgage loans that were originally reviewed from October 2025 to March 2026.

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

The mortgage loan review was broken down into the following review scopes:

▪ "Compliance Review" 75<sup>1</sup> Mortgage Loans

▪ "Credit Review" 156 Mortgage Loans

▪ "Property Review" 156 Mortgage Loans

▪ "Data Integrity" 156 Mortgage Loans

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

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

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

For one hundred and fifty-six (156) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Look back Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

<sup>1</sup> Eighty-one (81) exempt loans were not subject to a compliance review and did not received a compliance grade.

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

![](ex99-1_002.jpg)

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

Infinity conducted a credit review for one hundred and fifty-six (156) mortgage loans. At that time, Infinity reviewed the 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 Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 17 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

**Credit Report:** Infinity'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 guidelines. In order to make this determination, Infinity: (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 date 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:** Infinity 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 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, and (vi) IRS tax transcripts.

**Asset Review:** Infinity 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, Infinity 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 Infinity. During the course of this review, Infinity (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 debt-to-income ("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.

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![](ex99-1_002.jpg)

**Occupancy Review:** Infinity 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, Infinity 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:** Infinity 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, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity 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, Infinity confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** Infinity's review included 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:** Infinity 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(s) 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.

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![](ex99-1_002.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for sixty (60) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed 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, (v) reviewed 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, (vi) reviewed 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), (vii) reviewed 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, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed 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 (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified 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, (xiii) compared 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, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for one hundred and fifty-six (156) mortgage loans. For these one hundred and fifty-six (156) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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![](ex99-1_002.jpg)

Infinity'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. Infinity'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 guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Infinity'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 Infinity's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying 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 Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

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

Infinity completed a Compliance Review on seventy-five (75) mortgage loans. Eighty-one (81) exempt loans were not subject to a compliance review and did not receive a compliance grade. Please be advised that Infinity 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 Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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![](ex99-1_002.jpg)

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity 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 Infinity 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 Infinity 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. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity 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):</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>Tolerances (§§1026.18, 22 and 23):</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.

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

&nbsp;&nbsp;&nbsp;&nbsp;e) <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.

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

&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, Infinity 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, Infinity'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;g) <u>Homeownership counseling (§1026.36):</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>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;i) <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;j) <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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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&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 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 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;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 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 Industry Group ("SFIG") 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 SFIG Compliance Review Scope.)

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&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)).

Infinity 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). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity 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, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

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For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity 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, Infinity 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>*

Infinity 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.

 

Infinity 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"). Infinity 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. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity 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;**

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**(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**

Infinity 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 Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the 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, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr 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, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

Infinity 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;

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&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.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch") and Kroll Bond Rating Agency, LLC ("KBRA").

**OVERALL RESULTS SUMMARY (156 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers one hundred and fifty-six (156) mortgage loans. Within those mortgage loans, Infinity graded one hundred and thirty-eight (138) mortgage loans as "A" and eighteen (18) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;75 | &nbsp;&nbsp;138 | &nbsp;&nbsp;156 | &nbsp;&nbsp;138 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;88.46% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;88.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;75 | &nbsp;&nbsp;138 | &nbsp;&nbsp;156 | &nbsp;&nbsp;138 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**KBRA Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;88.46% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;88.46% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY (156 MORTGAGE LOANS)**

Of the one hundred and fifty-six (156) mortgage loans reviewed, 7 (4.49%) mortgage loans had tape discrepancies across two (2) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Property Postal Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;156 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;Residual Income | &nbsp;&nbsp;6 | &nbsp;&nbsp;156 | &nbsp;&nbsp;3.85% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (156 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;156 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$89711139.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**156** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89711139.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;156 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$89711139.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**156** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89711139.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown | &nbsp;&nbsp;49 | &nbsp;&nbsp;31.41% | &nbsp;&nbsp;$27450687.00 | &nbsp;&nbsp;30.60% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.13% | &nbsp;&nbsp;$5138800.00 | &nbsp;&nbsp;5.73% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;62 | &nbsp;&nbsp;39.74% | &nbsp;&nbsp;$31962497.00 | &nbsp;&nbsp;35.63% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;37 | &nbsp;&nbsp;23.72% | &nbsp;&nbsp;$25159155.00 | &nbsp;&nbsp;28.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**156** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89711139.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.13% | &nbsp;&nbsp;$7292850.00 | &nbsp;&nbsp;8.13% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;148 | &nbsp;&nbsp;94.87% | &nbsp;&nbsp;$82418289.00 | &nbsp;&nbsp;91.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**156** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89711139.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](ex99-1_002.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;70 | &nbsp;&nbsp;44.87% | &nbsp;&nbsp;$58123717.00 | &nbsp;&nbsp;64.79% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.21% | &nbsp;&nbsp;$3006549.00 | &nbsp;&nbsp;3.35% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;81 | &nbsp;&nbsp;51.92% | &nbsp;&nbsp;$28580873.00 | &nbsp;&nbsp;31.86% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**156** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$89711139.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Correspondent SmartEdge Product Profile 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartEdge Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartSelf Bank Statement, 1099 and P&L Product Summary 7-24-25.pdf |
| &nbsp;&nbsp;Newrez SmartVest Product Summary 7-30-25.pdf |
| &nbsp;&nbsp;RTL DTC JV WHL SmartVest Product Summary (9.25.2025 v25.12).docx |
| &nbsp;&nbsp;RTL JV DTC WHL SmartEdge Product Summary (9.25.2025 v25.8).docx |
| &nbsp;&nbsp;SmartEdge Product Profile Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartEdge Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartSelf Bank Statement, 1099 and P&L Product Summary Newrez 9-25-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary - Correspondent 8-28-25.pdf |
| &nbsp;&nbsp;SmartSelf Product Summary Correspondent 1-29-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-22-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-2-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 1-29-26.pdf |
| &nbsp;&nbsp;SmartVest Product Summary 9-5-25 - Newrez.pdf |
| &nbsp;&nbsp;SmartVest Product Summary Correspondent 8-28-25.pdf |

---

18 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| 2 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 3 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| 8 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 10 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2 |
| 12 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 2.6 |
| 14 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 17 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 24 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 35 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| 36 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 39 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.8 |
| 41 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.3 |
| 45 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 46 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 49 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 63 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -2.778% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.5 |
| 64 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -7.971% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 67 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| 71 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 72 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 73 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 76 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.3 |
| 78 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 86 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.8 |
| 87 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 89 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -5.556% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.5 |
| 91 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.2 |
| 94 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 100 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2 |
| 101 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 105 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | -5.975% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 107 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 110 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 111 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | 4.255% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.7 |
| 113 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.5 |
| 114 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 115 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -2.817% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.1 |
| 119 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -5.076% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.4 |
| 122 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
| 123 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 124 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 125 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.9 |
| 126 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| 132 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| 133 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.5 |
| 134 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.5 |
| 137 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.3 |
| 138 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 1.639% | XXXX | XX/XX/XXXX | No | 4.5 | 3.2 |
| 141 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.8 |
| 142 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.4 |
| 146 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.4 |
| 247 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | 7.325% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 7.325% | XXXX | XX/XX/XXXX | No | 3.5 | 3.6 |
| 255 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.2 |
| 258 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.421% | XXXX | XX/XX/XXXX | No | 4.5 | 1.8 |
| 263 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 269 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 270 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 279 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 281 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 282 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 285 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | -9.707% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 288 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.8 |
| 290 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 293 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.5 |
| 299 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | XXXX | -2.778% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.9 |
| 301 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 303 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 304 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 4.2 |
| 305 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 315 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 316 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 317 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| 322 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 335 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 337 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 342 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 343 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.4 |
| 344 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 345 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -6.818% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.2 |
| 356 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 364 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.9 |
| 369 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | XXXX | -2.439% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 371 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| 372 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 376 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2 |
| 377 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| 378 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 379 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 390 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 392 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 398 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.8 |
| 402 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.6 |
| 405 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.9 |
| 407 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 408 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 8.776% | XXXX | XX/XX/XXXX | Yes | Not Applicable | 2.7 |
| 412 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.5 |
| 414 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| 418 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| 423 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.6 |
| 426 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 428 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 429 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -9.756% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XX/XX/XXXX | No | Unavailable | 1.8 |
| 448 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 454 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.9 |
| 460 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 13.636% | XXXX | XX/XX/XXXX | No | 5 | 2.6 |
| 463 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 466 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 467 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 470 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.8 |
| 476 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 477 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 479 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| 483 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 4 |
| 485 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.2 |
| 486 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 489 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 490 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.3 |
| 494 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 496 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 497 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 504 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.6 |
| 505 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 5 |
| 507 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| 510 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.7 |
| 513 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 4 |
| 517 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| 518 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1.3 |
| 523 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 529 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 531 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 532 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 5.667% | XXXX | XX/XX/XXXX | No | 4 | 3.5 |
| 535 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | 1 |
| 537 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 539 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| 553 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2 |
| 557 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.5 |
| 566 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 22.704% | XXXX | XX/XX/XXXX | No | 4 | 1 |
| 576 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.5 |
| 578 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| 579 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.2 |
| 581 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.4 |
| 582 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | XXXX | -4.286% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 3.2 |
| 583 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 584 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.5 |
| 589 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.9 |
| 591 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 598 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| 599 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | XXXX | -2.041% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 601 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 603 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | Not Applicable | XXXX | XXXX | XX/XX/XXXX | 1025 2-4 Family Property |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| 609 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.3 |
| 610 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 4.2 |
| 613 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| 615 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Condominiums |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 617 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| 618 | XXXX | XXXX |  | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 Residential Appraisal |  |  |  |  |  |  | XXXX | $0.00 | 0.000% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| 531 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 299 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 317 | XXXX | XXXX | XXXX | Indiana | XX/XX/XXXX | Investor | Cash Out B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable |
| 316 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Investor | Refinance B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D |
| 301 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 376 | XXXX | XXXX | XXXX | Hawaii | XX/XX/XXXX | Investor | Refinance B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 470 | XXXX | XXXX | XXXX | Virginia | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 293 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 428 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 477 | XXXX | XXXX | XXXX | Utah | XX/XX/XXXX | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 423 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 609 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 270 | XXXX | XXXX | XXXX | New Hampshire | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 126 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 392 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 356 | XXXX | XXXX | XXXX | Illinois | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 510 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 390 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 369 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 617 | XXXX | XXXX | XXXX | Indiana | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 378 | XXXX | XXXX | XXXX | Indiana | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 566 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 49 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 581 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 111 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 412 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 94 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 402 | XXXX | XXXX | XXXX | Minnesota | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 305 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 613 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 603 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 518 | XXXX | XXXX | XXXX | Oklahoma | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 141 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 618 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 523 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 288 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 615 | XXXX | XXXX | XXXX | Arizona | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 591 | XXXX | XXXX | XXXX | Colorado | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 255 | XXXX | XXXX | XXXX | Oregon | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 507 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 281 | XXXX | XXXX | XXXX | Oregon | XX/XX/XXXX | Investor | Refinance B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D |
| 91 | XXXX | XXXX | XXXX | Ohio | XX/XX/XXXX | Primary | Refinance A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 364 | XXXX | XXXX | XXXX | Tennessee | XX/XX/XXXX | Secondary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 138 | XXXX | XXXX | XXXX | Arkansas | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 290 | XXXX | XXXX | XXXX | Connecticut | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 553 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 398 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 315 | XXXX | XXXX | XXXX | Hawaii | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 24 | XXXX | XXXX | XXXX | Pennsylvania | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 532 | XXXX | XXXX | XXXX | Arizona | XX/XX/XXXX | Primary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 343 | XXXX | XXXX | XXXX | West Virginia | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 504 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Primary | Cash Out B | A C B | C | A C B | C | A C B | C | A C B | C | A C B | C | A |
| 39 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 335 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 494 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 132 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 107 | XXXX | XXXX | XXXX | Idaho | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 279 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B | A | A |
| 46 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 87 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 137 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 14 | XXXX | XXXX | XXXX | Oklahoma | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 35 | XXXX | XXXX | XXXX | Oklahoma | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 582 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Primary | Refinance A | A C | A | A C | A | A C | A | A C | A | A C | A | A |
| 583 | XXXX | XXXX | XXXX | New Hampshire | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 285 | XXXX | XXXX | XXXX | Colorado | XX/XX/XXXX | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D |
| 505 | XXXX | XXXX | XXXX | Utah | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 71 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 513 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 86 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 537 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 371 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 517 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 405 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 45 | XXXX | XXXX | XXXX | Louisiana | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 122 | XXXX | XXXX | XXXX | Michigan | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 463 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 490 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 3 | XXXX | XXXX | XXXX | Minnesota | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 119 | XXXX | XXXX | XXXX | Tennessee | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 483 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 304 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 282 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 460 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Refinance B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 589 | XXXX | XXXX | XXXX | South Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 12 | XXXX | XXXX | XXXX | Tennessee | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 377 | XXXX | XXXX | XXXX | Alabama | XX/XX/XXXX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 610 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 557 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 485 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 247 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 408 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 63 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 579 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D | D | A |
| 476 | XXXX | XXXX | XXXX | Connecticut | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 105 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 407 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 113 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 41 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 124 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 448 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 601 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 418 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 337 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 64 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 486 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A D |
| 142 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 72 | XXXX | XXXX | XXXX | Illinois | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 100 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 344 | XXXX | XXXX | XXXX | Alabama | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 114 | XXXX | XXXX | XXXX | Alaska | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 258 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 125 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 269 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 578 | XXXX | XXXX | XXXX | Alaska | XX/XX/XXXX | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 489 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 17 | XXXX | XXXX | XXXX | Washington | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 76 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 584 | XXXX | XXXX | XXXX | Arkansas | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 133 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 342 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 345 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 78 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 303 | XXXX | XXXX | XXXX | Illinois | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 467 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 110 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 414 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 123 | XXXX | XXXX | XXXX | Kentucky | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 535 | XXXX | XXXX | XXXX | Utah | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 479 | XXXX | XXXX | XXXX | Connecticut | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 429 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Cash Out A | Not Applicable C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D C | Not Applicable | Not Applicable D |
| 2 | XXXX | XXXX | XXXX | Wisconsin | XX/XX/XXXX | Primary | Refinance A | A | A | A | A | A | A | A | A | A | A | A |
| 379 | XXXX | XXXX | XXXX | New York | XX/XX/XXXX | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 67 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 115 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D |
| 539 | XXXX | XXXX | XXXX | Georgia | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 497 | XXXX | XXXX | XXXX | Delaware | XX/XX/XXXX | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D | A | A |
| 73 | XXXX | XXXX | XXXX | Iowa | XX/XX/XXXX | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 146 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 529 | XXXX | XXXX | XXXX | New Jersey | XX/XX/XXXX | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A |
| 372 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 466 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |
| 101 | XXXX | XXXX | XXXX | North Carolina | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 598 | XXXX | XXXX | XXXX | Arizona | XX/XX/XXXX | Primary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 263 | XXXX | XXXX | XXXX | New Hampshire | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 576 | XXXX | XXXX | XXXX | California | XX/XX/XXXX | Investor | Refinance B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable |
| 426 | XXXX | XXXX | XXXX | South Dakota | XX/XX/XXXX | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 36 | XXXX | XXXX | XXXX | Massachusetts | XX/XX/XXXX | Primary | Cash Out A | A C | C | A C | C | A C | C | A C | C | A C | C | A |
| 134 | XXXX | XXXX | XXXX | Virginia | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 496 | XXXX | XXXX | XXXX | Florida | XX/XX/XXXX | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 8 | XXXX | XXXX | XXXX | Oregon | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 89 | XXXX | XXXX | XXXX | South Carolina | XX/XX/XXXX | Secondary | Purchase A | A | A | A | A | A | A | A | A | A | A | A |
| 10 | XXXX | XXXX | XXXX | Maryland | XX/XX/XXXX | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 322 | XXXX | XXXX | XXXX | Utah | XX/XX/XXXX | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable |
| 599 | XXXX | XXXX | XXXX | Texas | XX/XX/XXXX | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| 454 | XXXX | XXXX | XXXX | Oklahoma | XX/XX/XXXX | Primary | Cash Out A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

**Data Compare**

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| 49 | XXXX | XXXX |  | Residual Income | XXXX | XXXX | XXXX | 24.28653% | Total verified monthly income equals $11,796.59, monthly PITIA equals $3,037.91 and all other debts equal $1,454.00. Residual income is $7,304.68. | Initial |
| 63 | XXXX | XXXX |  | Residual Income | XXXX | XXXX | XXXX | 6.44082% | Total verified monthly income equals $24,344.40, monthly net rental income loss equals $2,790.80 and all other debts equal $8,066.27. Residual income is $13,487.33. | Initial |
| 64 | XXXX | XXXX |  | Residual Income | XXXX | XXXX | XXXX | 4.87685% | Total verified monthly income equals $24,344.40, monthly net rental income loss equals $3,451.55 and all other debts equal $7,577.15. Residual income is $13,315.70. | Initial |
| 126 | XXXX | XXXX |  | Residual Income | XXXX | XXXX | XXXX | 38.94605% | Total verified monthly income equals $6,409.72, monthly PITIA equals $1,851.03 and all other debts equal $46.00. Residual income is $4,512.69. | Initial |
| 132 | XXXX | XXXX |  | Property Postal Code | XXXX | XXXX | XXXX |  | Note dated xx/xx/xx reflects property postal code as xx. | Initial |
| 255 | XXXX | XXXX |  | Residual Income | XXXX | XXXX | XXXX | -5.78821% | Total verified monthly income equals $25,128.00, monthly PITIA equals $3,995.68 and all other debts equal $2,040.00. Residual income is $19,092.32. | Initial |
| 603 | XXXX | XXXX |  | Residual Income | XXXX | XXXX | XXXX | 7.59372% | Total verified monthly income equals $41,259.00, monthly net rental income loss equals $2,391.42 and all other debts equal $14,075.49. Residual income is $24,792.09. | Initial |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

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| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| 2 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Primary | Refinance | 737 | 1.58 | XXXX | 2 | $19413.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.035% |  | Alternative | QC Complete | 02/11/2026 |
| 3 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Refinance | 762 | 4 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 03/30/2026 |
| 8 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 42.462% | 42.462% | Investor | Refinance | 729 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 02/11/2026 |
| 10 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Title report missing ISAOA/ATIMA verbiage for the mortgagee/lender. Provide an updated title report reflecting the lender as loss payee, including ISAOA/ATIMA.<br>02/20/2026 Name of Insured:XXXX , Its Successors and/or Assigns , as their interests may appear. Has been added to title. |  |  | Single Family | XX/XX/XXXX | 51.724% | 51.724% | Investor | Cash Out | 776 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 01/29/2026 |
| 12 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Loan Scorecard is missing in the file.<br>Resolved 2/10/2026 - Received loan details, condition resolved. |  |  | Single Family | XX/XX/XXXX | 70.968% | 70.968% | Investor | Refinance | 664 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 01/28/2026 |
| 14 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Refinance | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 02/10/2026 |
| 17 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the driving license for borrower 'XXXX', as it is missing.<br>Resolved 2/11/2026 - Received Id, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 703 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/29/2026 |
| 24 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 780 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/16/2026 |
| 35 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide proof of ommission for the following accounts: XXXX \*\*\*XXXX XXXX \*\*\*XXXX<br>03/02/2026; The accounts in question are all authorized user accounts |  |  | PUD | XX/XX/XXXX | 59.814% | 59.814% | Primary | Refinance | 731 | 0.92 | XXXX | 9 | $24701.28 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Mortgage |  | 44.943% |  | Alternative | QC Complete | 02/11/2026 |
| 36 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 7.918% Allowed 7.690% Overby +0.228%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: MA 209 CMR 32.35) 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 Massachusetts Regulations<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 7.918% Allowed 7.690% Overby +0.228%<br>This loan is compliant with regulation MA 209 CMR 32.35. |  |  | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 720 | 0.58 | XXXX | 0.92 | $17128.71 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 37.549% |  | Alternative | QC Complete | 01/16/2026 |
| 39 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide an updated Deed of Trust (DOT) with the PUD rider removed, as the appraisal does not indicate the property is a PUD.<br>03/06/2026: Rejected. An updated appraisal will also be needed to verify property is a PUD with no HOA fee.<br> 03/11/2026: Property is in a PUD and documentation was provided to show $0.00 HOA and a PUD rider was provided. Appraisal does not need to be updated.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of LoanScorecard missing in loan file.<br>02/20/2026 Not Resolved: Documents provided is not the Loanscore card.<br>03/06/2026; Resolved. A loannex was provided. |  |  | Single Family | XX/XX/XXXX | 55.556% | 55.556% | Primary | Refinance | 750 | 0.33 |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 02/12/2026 |
| 41 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Cash Out | 758 |  | XXXX | 27.16 | $73323.70 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 5.799% |  | Alternative | QC Complete | 02/11/2026 |
| 45 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 56.195% | 56.195% | Investor | Cash Out | 718 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/25/2026 |
| 46 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 750 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/16/2026 |
| 49 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.198% Allowed 7.720% Overby +1.478%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 733 |  | XXXX | 3.92 | $11796.59 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.078% | No | Alternative | QC Complete | 01/15/2026 |
| 63 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 67.083% | 67.083% | Investor | Refinance | 785 |  | XXXX | 21.33 | $24344.40 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.598% |  | Full Documentation | QC Complete | 02/11/2026 |
| 64 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 65.942% | 65.942% | Investor | Refinance | 785 |  | XXXX | 21.33 | $24344.40 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.303% |  | Full Documentation | QC Complete | 02/11/2026 |
| 67 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Refinance | 729 |  | XXXX | 16.5 | $19557.73 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 46.563% |  | Full Documentation | QC Complete | 02/11/2026 |
| 71 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 726 |  | XXXX | 7.08 | $81992.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 33.128% | No | Alternative | QC Complete | 03/10/2026 |
| 72 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 744 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/11/2026 |
| 73 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Title report does not reflect the required mortgagee clause "ISAOA/ATIMA" for the lender loss payee.<br>Resolved 2/10/2026 - Received title mortgage clause, condition resolved. |  |  | Single Family | XX/XX/XXXX | 66.002% | 66.002% | Investor | Refinance | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 01/29/2026 |
| 76 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 784 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/15/2026 |
| 78 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>02/11/2026 Resolved: A preliminary title report is in the file. It does not include an insured loan amount but final policy will reflect $XXXX. as shown in the closing instructions. |  |  | Single Family | XX/XX/XXXX | 79.295% | 79.295% | Primary | Cash Out | 764 | 3.33 | XXXX | 5.92 | $48084.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 39.223% |  | Alternative | QC Complete | 01/30/2026 |
| 86 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 777 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 02/12/2026 |
| 87 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 789 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/15/2026 |
| 89 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 761 |  | XXXX | 15.16 | $22862.29 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.821% | No | Full Documentation | QC Complete | 03/30/2026 |
| 91 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 7.964% Allowed 7.690% Overby +0.274%<br>This loan is compliant with regulation 1026.35 |  |  | Single Family | XX/XX/XXXX | 83.218% | 83.218% | Primary | Refinance | 755 | 0.08 | XXXX | 3.92 | $18657.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 19.043% |  | Alternative | QC Complete | 02/12/2026 |
| 94 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 63.265% | 63.265% | Investor | Refinance | 809 |  | XXXX | 8 | $34376.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.882% |  | Full Documentation | QC Complete | 02/25/2026 |
| 100 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 61.224% | 61.224% | Primary | Purchase | 751 |  | XXXX | 19.91 | $15694.01 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 47.901% | No | Alternative | QC Complete | 02/12/2026 |
| 101 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 700 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/24/2026 |
| 105 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 795 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/12/2026 |
| 107 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Hazard Insurance Coverage less than Loan Amount - EV R<br> COMMENT: Dwelling amount $XXXX is not sufficient to cover loan amount $XXXX, provide a copy of replacement cost estimator is being covered by the dwelling.<br>03/06/2026: Resolved. Received email stating the borrower has 100% extended dwelling coverage so she would have a total coverage amount of $XXXX |  |  | Single Family | XX/XX/XXXX | 79.259% | 79.259% | Primary | Cash Out | 702 | 1.25 | XXXX | 3.25 | $39725.26 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 22.089% |  | Alternative | QC Complete | 02/26/2026 |
| 110 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing supporting document (taxes and insurance) for borrower's primary property address XXXX<br>Required LOX stating that property address XXXX is no longer renting with borrower and moved to new primary residence.<br>03/11/2026: Resolved. Received tax and insurance information. The HUD provided shows the borrowers purchasing address XXXX |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Purchase | 816 |  |  |  | $2140.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 15.892% | No | Alternative | QC Complete | 02/12/2026 |
| 111 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 74.894% | 74.894% | Investor | Refinance | 723 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 02/12/2026 |
| 113 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/12/2026 |
| 114 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 781 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/12/2026 |
| 115 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Appraisal report is incomplete, provide an updated appraisal report included rental comparable, as it is required by the guidelines.<br>Resolved as the rental comp photos not mandatory per client guidelines or xxx. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 723 |  | XXXX | 13.66 | $831795.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 2.452% | No | Alternative | QC Complete | 01/30/2026 |
| 119 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 651 |  | XXXX | 18.75 | $31046.64 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 22.961% |  | Alternative | QC Complete | 03/10/2026 |
| 122 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Provide an updated appraisal report that includes the appraiser's license.<br>02/20/2026 Resolved - The a copy of the license was provided |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Cash Out | 706 | 18 | XXXX | 19.75 | $27108.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 15.499% |  | Alternative | QC Complete | 02/12/2026 |
| 123 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 72.464% | 72.464% | Investor | Cash Out | 736 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/10/2026 |
| 124 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 722 |  | XXXX | 4.08 | $7434.46 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.133% | Yes | Alternative | QC Complete | 03/10/2026 |
| 125 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the Title Supplemental Report covering the loan amount of $XXXX<br> 03/05/2026. Title with amount of insurance of $XXXX in the file.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Condo Questionnaire, as it is missing.<br> 03/05/2026. Resolved Property is an attached 2-4 unit/row/townhouse. Condo project waiver a questionnaire is not required. |  | 03/05/2026. Title with amount of insurance of $xxx in the file.<br>Property is an attached 2-4 unit/row/townhouse. Condo project waiver a questionnaire is not required. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 730 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 02/26/2026 |
| 126 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 20.952% | 20.952% | Primary | Purchase | 689 |  | XXXX | 3.75 | $6409.72 | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 29.596% | Yes | Full Documentation | QC Complete | 03/11/2026 |
| 132 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 723 |  | XXXX | 24.91 | $9654.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.067% | No | Alternative | QC Complete | 03/10/2026 |
| 133 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 56.774% | 56.774% | Investor | Refinance | 733 |  | XXXX | 0.33 | $3333.45 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 45.412% |  | Full Documentation | QC Complete | 03/10/2026 |
| 134 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 732 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/11/2026 |
| 137 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Refinance | 753 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 03/11/2026 |
| 138 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 68.376% | 68.376% | Primary | Purchase | 801 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/30/2026 |
| 141 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 68.412% | 68.412% | Investor | Cash Out | 786 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/11/2026 |
| 142 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 55.000% | 55.000% | Investor | Refinance | 761 |  | XXXX | 10.92 | $125606.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 18.045% |  | Alternative | QC Complete | 03/11/2026 |
| 146 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 58.353% | 58.353% | Primary | Cash Out | 790 | 24.41 | XXXX | 5.75 | $17531.34 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 44.257% |  | Alternative | QC Complete | 03/12/2026 |
| 247 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | High Rise Condo (>=9 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 707 | 3 | XXXX | 13.08 | $272356.55 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 9.055% |  | Alternative | QC Complete | 03/11/2026 |
| 255 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: "An LOX and verification are requested to explain the exclusion of the XXXX debt from the DTI calculation. The DTI rises from 19.35% to 24.02% with the addition of this liability, the DTI is still within guideline limits."<br>03/30/2026: Resolved as the DTI is within the guideline limits. |  |  | Single Family | XX/XX/XXXX | 68.276% | 68.276% | Primary | Cash Out | 698 | 14.75 | XXXX | 7.42 | $25128.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 24.020% |  | Alternative | QC Complete | 03/30/2026 |
| 258 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of proposed Lender's coverage on the Preliminary Title is less than the loan amount. The document reflects coverage in the amount of $XXXX, however, the Note reflects a loan amount of $XXXX. Provide a copy of updated Title Supplement to cover the loan amount.<br>03/12/2026: Resolved. Updated title provided. |  |  | PUD | XX/XX/XXXX | 57.974% | 57.974% | Primary | Refinance | 800 | 1.08 |  |  | $73686.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.150% |  | Alternative | QC Complete | 03/02/2026 |
| 263 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the additional bank statement of XXXX and XXXX. As per guidelines, the most recent two (2) months of account statements or the most recent quarterly account statement are required.<br>Resolved 2/3/2026 - Received Lox as Both accounts were newer at the time and there was not a 2 month history. Both accounts were opened with funds from cashed in CDs. Comments were on the assets worksheet and documents from CDs are attached, condition resolved. |  |  | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 788 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 01/28/2026 |
| 269 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The lease agreement provided for the subject property (XXXX) expired on 09/30/2025. Please provide a copy of the current, fully executed lease agreement.<br>03/03/2026; LOE from client: Purchase transaction - lease in file is dated XX/XX/XXXX and appraisal is showing a new lease<br> through 09/2026. Using lower amount - current rent of $4707 fair market $4707 and<br> rent used for qualifying $3900-worst case |  |  | 4 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 740 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/13/2026 |
| 270 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 31.111% | 31.111% | Primary | Cash Out | 703 | 21.08 | XXXX | 30.08 | $4841.63 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 40.054% |  | Alternative | QC Complete | 03/30/2026 |
| 279 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The loan file does not meet guideline requirements, as the cash-out proceeds total $XXXX, exceeding the maximum allowed amount of $XXXX at 80% LTV.<br>A copy of an exception approval letter is available in the loan file. | FICO: 745 FICO exceeds the guideline requirement of 700.<br>DTI: 38.48% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 111 months of available reserves are more than the guideline requirement of 6 months. | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 745 | 23.58 | XXXX | 26.42 | $10842.47 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 38.478% |  | Alternative | QC Complete | 03/27/2026 |
| 281 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: The CDA supporting the appraised value of $XXXX, which is used to calculate the LTV, is missing.<br>03/06/2026; Resolved. A CDA for $XXXX was provided which is within the 10% variance.<br>\*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Coverage amount $XXXX on the title report is less than the mortgage loan amount of $XXXX. Provide a copy of Title Supplement to cover the loan amount. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Maximum LTV allowed is 75%; current LTV is 76.830%.<br>A copy of an exception approval letter is available in the loan file. | FICO: 718 FICO exceeds the guideline requirement of 640.<br>DTI: 37.64% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 10 months of available reserves are more than the guideline requirement of 3 months. | Single Family | XX/XX/XXXX | 77.805% | 77.805% | Investor | Refinance | 718 |  | XXXX | 7.25 | $16126.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 37.641% |  | Alternative | QC Complete | 03/02/2026 |
| 282 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of updated supplemental title report , as the provided supplemental title insured amount $XXXX is inadequate to fully cover the loan amount of $XXXX.<br>03/10/2026: Resolved. Supplemental report provided for $XXXX | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception requested to consider 28 NSFs reflected on the business account over the most recent 12-month period. Borrower has provided a Letter of Explanation stating the occurrences were related to mid-year payroll and ACH provider changes.<br>A copy of an exception approval letter is available in the loan file. | FICO: 752 FICO exceeds the guideline requirement of 740.<br>LTV: 74.98% LTV is less than the guideline requirement of 70.00%.<br>DTI: 30.71% DTI is less than the maximum guideline requirement of 50.00%. | Single Family | XX/XX/XXXX | 74.979% | 74.979% | Investor | Cash Out | 752 |  | XXXX | 11.08 | $67382.91 | Mos Reviewed:24<br> Times 1X30:1<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 30.710% |  | Alternative | QC Complete | 02/26/2026 |
| 285 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: Provide a copy of Appraiser license as it is missing.<br>03/09/2026: RESOLVED. COPY OF LICENSE WAS PROVIDED. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception on market score below 60 to allow for 0.50 DSCR Ratio.<br>A copy of an exception approval letter is available in the loan file. | LTV: 16.81% LTV is less than the guideline requirement of 70.00%.<br>FICO: 777 FICO exceeds the guideline requirement of 700.<br>Reserves: The 37 months of available reserves are more than the guideline requirement of 6 months. | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 16.805% | 16.805% | Investor | Cash Out | 777 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/24/2026 |
| 288 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Guidelines require a second full appraisal for loan amounts greater than $XXXX As the loan amount is $XXX, a second full appraisal is missing. Provided a copy of Second full appraisal as it is required by the guidelines.<br>Not Resolved 2/2/2026 - Required second full appraisal, condition not resolved.<br>Resolved 2/9/2026 - Received LOE as the second appraisal is not recommended, condition Resolved. |  |  | Single Family | XX/XX/XXXX | 70.000% | 70.000% | Primary | Purchase | 793 |  | XXXX | 1.41 | $232801.51 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.716% | Yes | Alternative | QC Complete | 01/27/2026 |
| 290 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of supporting document for the below liens:<br>i)Notice of Lien in favor of the XXXX dated XX/XX/XXXX and recorded XX/XX/XXXX in Volume 1474at Page 283 of the XXXX<br>ii)XXXX Lien in the amount of $XXXX dated XX/XX/XXXX and recorded XX/XX/XXXX in Volume 1934 at Page 585 of the XXXX<br>03/02/2026: This is a purchase transaction, the liens are not against the borrower but the seller. Not required to address seller liens.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a rent-free letter for the property located at XXXX<br>03/02/2026: Rent free letters on VEST loans are not required per guidelines. |  |  | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 811 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/13/2026 |
| 293 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 762 |  | XXXX | 6.41 | $35717.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 13.078% | No | Alternative | QC Complete | 02/02/2026 |
| 299 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 746 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 02/27/2026 |
| 301 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Hazard insurance with Mortgagee Clause.<br>1/15/2026 Not resolved. The mortgagee clause is missing on the HO6, please provide<br>Resolved 2/5/2026 - Received insurance with mortgage clause, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The borrower is living rent-free and taking cash-out on an investment property. A complete exception approval form is required, including all applicable compensating factors.<br>01/14/2026 - A copy of an exception approval letter has been received. | FICO: 766 FICO exceeds the guideline requirement of 700.<br>Reserves: The 66 months of available reserves are more than the guideline requirement of 6 months. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 766 |  | XXXX | 18.58 | $13218.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.886% |  | Full Documentation | QC Complete | 01/12/2026 |
| 303 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 68.866% | 68.866% | Primary | Refinance | 793 | 1 | XXXX | 26.75 | $21615.80 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 29.459% |  | Alternative | QC Complete | 03/11/2026 |
| 304 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 806 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 03/02/2026 |
| 305 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 2/4/2026 - Received title insured amount, condition resolved. |  |  | PUD | XX/XX/XXXX | 73.594% | 73.594% | Primary | Cash Out | 769 | 4 | XXXX | 11 | $35246.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 38.200% |  | Alternative | QC Complete | 01/28/2026 |
| 315 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the updated supplemental title report as the proposed insured title amount covering the loan amount of $XXXX<br>Resolved 2/9/2026 - Received title insured amount, condition resolved. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 820 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/02/2026 |
| 316 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Required Disclosures - EV R<br> COMMENT: Provide a copy of tax and Insurance for property XXXX as it is missing<br>03/02/2026: A mortgage statement was provided showing taxes and insurance are escrowed.<br>\*\*\* (CURED) Property Issues indicated - EV R<br> COMMENT: The latest appraisal report reflecting occupancy as "Owner". Require correction as "vacant" or "tenant".<br>03/11/2026: Resolved. Appraisal provided marked as tenant. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The subject property is a condominium with no separate bedroom and a living area of xx square feet (under 500 square feet). Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>03/02/2026; Comp factors received. | Reserves: The 16 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 752 FICO exceeds the guideline requirement of 640. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 757 |  | XXXX | 10.58 | $35390.96 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.598% |  | Alternative | QC Complete | 03/27/2026 |
| 317 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 4 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The loan amount of $XXXX does not meet the guideline requirement for minimum loan amount of $XXXX<br>01/16/2026 - A copy of an exception approval letter has been received. | FICO: 692 FICO exceeds the guideline requirement of 680.<br>Reserves: The 101 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.89 DSCR exceeds the guideline requirement of 0.50. | Single Family | XX/XX/XXXX | 60.000% | 60.000% | Investor | Cash Out | 692 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 01/09/2026 |
| 322 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of updated supplemental title report including Lender ISAOA/ATIMA Clause.<br>03/02/2026: Updated title provided with ISAOA/ATIMA Clause |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 751 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/13/2026 |
| 335 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Investor | Refinance | 730 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 03/03/2026 |
| 337 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 808 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/30/2026 |
| 342 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 75.000% | 75.000% | Secondary | Purchase | 788 |  |  |  | $19928.18 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.037% | No | Alternative | QC Complete | 03/10/2026 |
| 343 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 756 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/11/2026 |
| 344 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The final application for the co-borrower reflects a discrepancy between the current address listed as XXXX and the REO property address shown as XXXX (Primary Residence).<br>03/04/2026: corrected 1003 provide |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 761 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/24/2026 |
| 345 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XXXX does not cover the loan amount $XXXX<br>03/05/2026: Resolved. Title was provided with coverage of $XXXX<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of XXXX business checking statement account ending in #XXXX for the business "XXXX" for the month XX/XX/XXXX , as it is missing<br>03/11/2026: Resolved. Received bank statement. |  |  | PUD | XX/XX/XXXX | 68.000% | 68.000% | Primary | Cash Out | 746 | 2.25 | XXXX | 9.08 | $57164.96 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 19.701% |  | Alternative | QC Complete | 02/25/2026 |
| 356 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Refinance | 787 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 03/11/2026 |
| 364 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Secondary | Refinance | 772 |  | XXXX | 20.5 | $16103.84 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.642% |  | Full Documentation | QC Complete | 03/10/2026 |
| 369 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing Title evidence - EV R<br> COMMENT: Provide a copy of updated title report including all schedules, reflecting the subject property address, effective date, and insured policy amount.<br>Resolved 2/2/2026 - Received updated title report with schedule A and effective date, condition resolved. |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 754 |  | XXXX | 2.33 | $21830.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 34.089% | Yes | Alternative | QC Complete | 01/27/2026 |
| 371 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Cash Out | 736 | 2.5 | XXXX | 7.33 | $205360.88 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 7.944% |  | Alternative | QC Complete | 03/10/2026 |
| 372 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 66.225% | 66.225% | Primary | Cash Out | 672 | 47.83 | XXXX | 1.58 | $6150.55 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 40.393% |  | Full Documentation | QC Complete | 03/11/2026 |
| 376 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing condo questionnaire.<br>Resolved 2/5/2026 - Received condo questionnaire, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: The lease agreement in the file is incomplete, with the first two pages missing. As a result, the property address cannot be verified, and it is unclear which property the lease agreement pertains to. Please provide the lease agreement with all pages.<br>Resolved 02/12/2026: Resolved as we have a VOM and cancelled checks to verify the pay history. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The HOA reserve fund balance is below the required 20%, currently at 13.74%. Full exception approval is required. The exception approval email is incomplete and missing with comp factors.<br>A copy of an exception approval letter has been received. | FICO: 794 FICO exceeds the guideline requirement of 640.<br>LTV: 69.58% LTV is less than the guideline requirement of 75.00%.<br>DTI: 36.80% DTI is less than the maximum guideline requirement of 50.00%. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 69.588% | 69.588% | Investor | Refinance | 754 |  | XXXX | 6.42 | $16485.44 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.802% |  | Full Documentation | QC Complete | 02/02/2026 |
| 377 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the evidence wire receipt for the gift amount of $XXXX, as it is missing.<br>Resolved 2/2/2026 - Received wire transfer document, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: NSF/Overdraft: No Housing history for unlimited NSF's in 12 months. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>01/30/2026 - A copy of an exception approval letter has been received. | FICO: 753 FICO exceeds the guideline requirement of 680.<br>DTI: 8.32% DTI is less than the maximum guideline requirement of 50.00%. | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 753 |  | XXXX | 7.25 | $96258.64 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 8.318% | No | Alternative | QC Complete | 01/28/2026 |
| 378 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Missing flood cert - EV R<br> COMMENT: Provide a copy of Flood cert for the subject property XXXX, as it is missing.<br>03/05/2026: Resolved. A flood cert was provided |  |  | 4 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/26/2026 |
| 379 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount $XXof preliminary title insurance is not covering the loan amount $XX. Provide a copy of supplemental title insurance which covers the loan amount'.<br>Resolved 1/26/2026 - Received title insured amount, condition resolved.<br>\*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Provide an updated hazard insurance with insured location reflecting as "8XX".<br>03/04/2026: Resolved. Received loe with The HOI policy is correct with the address not showing the unit number. Confirmed against the appraisal.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated flood certificate with property addresses reflecting as "XXXX".<br>Resolved 1/27/2026 - Received flood cert with correct property address, condition resolved. |  | Appraisal confirmed no unit number<br>| Single Family | XX/XX/XXXX | 58.176% | 58.176% | Primary | Refinance | 754 | 1.41 | XXXX | 6.58 | $99097.98 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 12.466% |  | Alternative | QC Complete | 01/21/2026 |
| 390 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.260% Allowed 7.490% Overby +0.770%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 43.831% | 43.831% | Primary | Cash Out | 658 | 22.33 | XXXX | 35.75 | $8116.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 25.125% |  | Alternative | QC Complete | 03/12/2026 |
| 392 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 59.809% | 59.809% | Investor | Purchase | 746 |  | XXXX | 4.08 | $182306.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 8.401% | No | Alternative | QC Complete | 03/04/2026 |
| 398 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: (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.<br>Higher-Priced Mortgage Loan Test: Charged 8.052% Allowed 7.560% Overby +0.492%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 736 |  | XXXX | 2.66 | $137093.03 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 3.121% | No | Alternative | QC Complete | 01/30/2026 |
| 402 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Appraisal incomplete (missing map, layout, pages, etc) - EV R<br> COMMENT: Guidelines require a second full appraisal for loan amounts greater than $XXXX As the loan amount is $XXXX, a second full appraisal is missing. Provided a copy of Second full appraisal as it is required by the guidelines.<br>03/05/2026 Resolved. Updated guidelines dated 12/18/2025 for loans already in the pipeline only require 2nd appraisal for loans $XXXX or more. |  |  | Single Family | XX/XX/XXXX | 72.692% | 72.692% | Primary | Cash Out | 748 | 2 | XXXX | 20.25 | $248299.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 6.343% |  | Alternative | QC Complete | 02/27/2026 |
| 405 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Application Missing - EV R<br> COMMENT: Provide final 1003 application as it is missing.<br> 03/11/2026: Resolved. Final 1003 provided | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: Exception requested for a loan amount of $XXXX vs. the required $XXXX and the appraised value came in lower than the purchase price. The purchase price is $XXXX while the appraised value is $XXXX. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>03/12/2026: Resolved. Comp factors provided Reserves $38,266vs $5,400 required, DSCR 1.11 vs 1.00, 724 FICO | Reserves: The 43 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.11 DSCR exceeds the guideline requirement of 1.00. | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 724 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/27/2026 |
| 407 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 748 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/30/2026 |
| 408 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 799 |  | XXXX | 5.25 | $90491.09 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.918% | No | Alternative | QC Complete | 03/02/2026 |
| 412 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Condo / PUD rider Missing - EV R<br> COMMENT: Provide a copy of PUD rider as it is missing.<br>Provide an updated mortgage or deed of trust (DOT) with the PUD Rider box checked.<br>Resolved 2/9/2026 - Received PUD rider, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of updated Hazard insurance including mortgagee clause ISAOA/ATIMA.<br>Resolved 2/4/2026 - Received insurance document with the mortgage clause, condition resolved. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 713 |  | XXXX | 2.92 | $96572.67 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.388% | No | Alternative | QC Complete | 01/20/2026 |
| 414 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 85.000% | 85.000% | Primary | Purchase | 719 |  | XXXX | 24.75 | $120223.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.624% | No | Alternative | QC Complete | 12/10/2025 |
| 418 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 714 |  | XXXX | 2.83 | $14367.75 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 39.897% | Yes | Alternative | QC Complete | 02/02/2026 |
| 423 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of updated credit report or supporting documents for the following liabilities as it is missing.<br>A/c&nbsp;&nbsp;&nbsp;&nbsp; account #&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Balance Payment<br>Inst XXXX&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $24,242 $180.00<br> Rev XXXX $3,304&nbsp;&nbsp;&nbsp;&nbsp; $34.00<br> Rev XXXX&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $29&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $29.00<br> Rev XXXX&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $28&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $28.00<br> Open XXXX&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $16\*<br>02/20/2026: Received a loe stating:RE: Loan #XXXX<br> Borrower XXXX<br> Property Address XXXX<br> To Whom it May Concern:<br> Regarding Exception "XXXX - Provide a copy of updated credit report or supporting documents for<br> the following liabilities as it is missing"<br> Explanation from UW - The debts cited in the audit finding do not appear on the current credit<br> report. They were self-disclosed and included in DTI, and the borrower still qualifies. These<br> items are also likely duplicate liabilities imported from a prior credit report, with no active<br> tradelines on the current report. Because they are not bureau-reported, no credit-report<br> documentation exists; statements can be obtained if required. The current Credit Report is<br> attached to this Letter of Explanation.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of updated title commitment including Lender ISAOA/ATIMA clause.<br>Resolved 2/10/2026 - Received LOE as xxx state not required mortgage clause verbiage, condition resolved. |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 728 |  | XXXX | 8.66 | $24061.49 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.509% | No | Alternative | QC Complete | 01/30/2026 |
| 426 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 65.000% | 65.000% | Investor | Cash Out | 749 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/12/2026 |
| 428 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 766 |  | XXXX | 15.25 | $381355.69 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 6.822% | No | Alternative | QC Complete | 01/19/2026 |
| 429 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Provide a secondary valuation, such as a BPO or full appraisal to support the $XXXX appraised value. The appraisal reflects a value of $XXXX, while the XX Collateral Desktop Analysis (CDA) reflects $XXXX, a variance of -17.073%.<br>Resolved 1/30/2026 - Received LOE as the CDA does not have any impact as 2 appraisal already available, condition resolved.<br>Not Resolved 02/18/2026 - The received LOE is not acceptable as the CDA is required as per the guidelines to support the appraisal value of $XXXX<br> 02/24/2026: Received a CDA for $XXXX which is 9.76 variance from the appraised value of $XXXX<br>\*\*\* (CURED) CLTV exceeds guidelines - EV R<br> COMMENT: LTV of 90.44% exceeds the maximum allowable LTV guideline of 75% and therefore does not meet eligibility requirements.<br>02/25/2026: Received a CDA for $XXXX which is 9.76 variance from the appraised value of $XXXX. Using the value of $XXXX |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 739 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | DSCR | QC Complete | 03/27/2026 |
| 448 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of CPA letter as it is missing.<br>03/04/2026: Rejected. Document provided is not a letter from the CPA but rather a franchise tax account status.<br> 03/11/2026: Resolved; Business formation doc filed with the state which confirms the borrower is sole owner |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 796 | 8 | XXXX | 16.41 | $5670.68 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 27.467% |  | Alternative | QC Complete | 02/24/2026 |
| 454 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 61.728% | 61.728% | Primary | Cash Out | 731 | 0.16 | XXXX | 5.16 | $13193.93 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 25.069% |  | Alternative | QC Complete | 03/12/2026 |
| 460 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of XXXX business checking statement account ending in #XXXX for the business "XXXX" for the month 07/30/2025 , as it is missing.<br>03/10/2026: Resolved. Received #XXXX for 07/31/2025 | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Requesting a two-point FICO exception: borrower credit score is 703; minimum required score is 740.<br>A copy of an exception approval letter is available in the loan file. | Reserves: The 99 months of available reserves are more than the guideline requirement of 24 months.<br>DTI: 27.05% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 50.00% LTV is less than the guideline requirement of 85.00%. | PUD | XX/XX/XXXX | 50.000% | 50.000% | Primary | Refinance | 703 | 2.5 | XXXX | 10.67 | $187346.50 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 27.055% |  | Alternative | QC Complete | 02/24/2026 |
| 463 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of updated title report including Lender ISAOA/ATIMA clause, as is it missing.<br>03/03/2026; Received title with ISAOA/AITMA |  |  | PUD | XX/XX/XXXX | 77.179% | 77.179% | Primary | Refinance | 798 | 1.41 | XXXX | 5.33 | $22373.51 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.883% |  | Alternative | QC Complete | 02/13/2026 |
| 466 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 46.353% | 46.353% | Primary | Cash Out | 716 | 22.83 | XXXX | 3.25 | $8756.84 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.983% |  | Alternative | QC Complete | 03/03/2026 |
| 467 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 68.908% | 68.908% | Primary | Cash Out | 705 | 18 | XXXX | 3 | $26525.66 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 31.669% |  | Alternative | QC Complete | 02/10/2026 |
| 470 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated hazard insurance as mortgagee clause "ISAOA/ATIMA" is missing for the lender loss payee.<br>Resolved 2/10/2026 - Received insurance mortgage clause, condition resolved. |  |  | Single Family | XX/XX/XXXX | 53.572% | 53.572% | Investor | Cash Out | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 01/28/2026 |
| 476 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 726 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 03/12/2026 |
| 477 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: The DSCR does not comply with the short-term rental guidelines referenced in the approval and Loan Scorecard, which indicate that short-term rental guidelines were applied. Please confirm whether the subject property is intended to be used as a short-term rental. If not, confirm whether an alternative program was utilized that permits the use of the Form 1007 from the appraisal for income qualification.<br>Resolved 2/5/2026 - Received LOE for short term rental, condition resolved. | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: Guideline do not allow condotel with no bedrooms. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>Waived 2/6/2026 - Received Comp factor, condition waived. | FICO: 780 FICO exceeds the guideline requirement of 660.<br>LTV: 75.00% LTV is less than the guideline requirement of 80.00%. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 780 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 01/28/2026 |
| 479 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Primary | Cash Out | 707 | 0.83 | XXXX | 11.58 | $20033.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 48.356% |  | Alternative | QC Complete | 03/12/2026 |
| 483 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.052% Allowed 7.640% Overby +0.412%<br>This loan is compliant with regulation 1026.35. |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 673 |  | XXXX | 7.33 | $46656.94 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 20.812% | No | Alternative | QC Complete | 03/12/2026 |
| 485 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Borrower Identity Missing - EV R<br> COMMENT: The primary borrower's driving license expired on XX/XX/XXXX. Provide a copy of an updated driving license.<br>Resolved 2/2/2026 - Received ID with valid expiry date, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provided an updated flood insurance with annual premium of $921.96 as per final closing disclosure.<br>Note Resolved - Received Final CD, however required flood insurance with updated annual premium, condition not resolved.<br>2/18/2026 Not resolved. CD provided shows flood insurance for $78.83 per month<br>03/04/2026: Corrected flood insurance provided with premium as $922.00 |  |  | Single Family | XX/XX/XXXX | 52.632% | 52.632% | Investor | Cash Out | 794 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 01/28/2026 |
| 486 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: There is a discrepancy in the project name: it appears as "XXXX" on the appraisal, while the condo questionnaire lists it as "XXXX"<br>03/09/2026: RESOLVED CORRECTED APPRAISAL PROVIDED |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 789 |  | XXXX | 4.83 | $13370.37 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.394% | No | Alternative | QC Complete | 02/24/2026 |
| 489 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 774 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/12/2026 |
| 490 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 17.143% | 17.143% | Primary | Cash Out | 775 | 10.58 |  |  | $15870.88 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 24.203% |  | Full Documentation | QC Complete | 03/12/2026 |
| 494 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide an updated title report as mortgagee clause "ISAOA/ATIMA" is missing for the lender loss payee.<br>Resolved 2/4/2026 - Received LOE from client as xxx properties ISAOA not required, condition resolved. | \*\*\* (WAIVED) Required Documentation Missing or Incomplete - EV W<br> COMMENT: The loan is not guideline compliant due to a 1×30×12 mortgage delinquency, exceeding the permitted 0×30×12. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>01/29/2026 - A copy of an exception approval letter has been received. | DSCR: 1.77 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 725 FICO exceeds the guideline requirement of 680.<br>No late payments reported on any accounts on the credit report | 3 Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 725 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 01/27/2026 |
| 496 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 786 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 03/10/2026 |
| 497 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated Mortgage/DOT with the borrower vesting reflected as: "XXXX.<br>Resolved as the Mortgage/DOT in the file is correct. |  |  | PUD | XX/XX/XXXX | 74.645% | 74.645% | Primary | Cash Out | 713 | 5.33 | XXXX | 2.91 | $6036.35 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 44.691% |  | Full Documentation | QC Complete | 01/20/2026 |
| 504 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.224% Allowed 7.640% Overby+0.584%<br>This loan is compliant with regulation 1026.35. | \*\*\* (WAIVED) Assets do not meet guidelines - EV W<br> COMMENT: NSF event of 11 exceed the guideline requirement of maximum six NSF event in the any 12-month period.<br>A copy of an exception approval letter is available in the loan file.<br>\*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Condo with 55% commercial does not meet the guideline requirement of no more than 50% of the condo project may be commercial space.<br>A copy of an exception approval letter is available in the loan file. | DTI: 30.23% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 70.00% LTV is less than the guideline requirement of 85.00%.<br>FICO: 644 FICO exceeds the guideline requirement of 640.<br>DTI: 30.23% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 70.00% LTV is less than the guideline requirement of 85.00%.<br>FICO: 644 FICO exceeds the guideline requirement of 640. | PUD | XX/XX/XXXX | 70.000% | 70.000% | Primary | Cash Out | 644 | 3.16 | XXXX | 16 | $21967.96 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 30.231% |  | Alternative | QC Complete | 03/10/2026 |
| 505 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 74.682% | 74.682% | Primary | Cash Out | 752 | 0.5 | XXXX | 5.41 | $42992.89 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 28.958% |  | Alternative | QC Complete | 03/02/2026 |
| 507 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.240% Allowed 7.490% Overby +0.750%<br>This loan is compliant with regulation 1026.35. |  |  | Single Family | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 739 |  | XXXX | 4.08 | $29320.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Verification of Rent |  | 12.815% | Yes | Alternative | QC Complete | 03/12/2026 |
| 510 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Correction needed on the final 1003 for the property at XXXX, as it is currently marked as Primary and should be updated to Investment.<br>Not resolved 1/14/2026 - Received initial 1003, Correction needed on the final 1003 for the property at XXXX, as it is currently marked as Primary and should be updated to Investment, condition not resolved<br>02/19/2026: Final 1003 corrected with XXXX as intended occupancy as investment. |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 751 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | DSCR | QC Complete | 01/02/2026 |
| 513 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of HOI document for the property XXXX<br>03/02/2026: A statement was provided showing the payment is escrowed.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of Jan-2025 bank statement for XXXX<br> 03/11/2026: Resolved. Received bank statement. |  |  | Mid Rise Condo (5-8 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 709 |  | XXXX | 11.91 | $14359.97 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 43.266% | No | Alternative | QC Complete | 02/24/2026 |
| 517 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance XXXX does not cover the loan amount $XXXX. Provide a copy of the title updated supplement title report to cover the loan amount.<br>03/06/2026: Resolved. Received updated title with $XXXX policy amount. |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 749 |  | XXXX | 9.5 | $54447.36 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 32.617% |  | Alternative | QC Complete | 03/02/2026 |
| 518 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Loan does not conform to program guidelines - EV R<br> COMMENT: The loan amount is limited to $XXXX based on the maximum 70% LTV requirement due to the declining market indicated in the appraisal. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>03/09/2026: RESOLVED 3 COMPENSATING FACTORS PROVIDED 1. FICO OF 779 VS MIN FICO OF 720. 2. 0X30 ON MORTGAGES/HELOCS DATING BACK TO 9/2020. 3. DSCR 1.29 VS MIN DSCR 1.00.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide a copy of the supporting documentation confirming the public record release or current status of the $XXXX judgment reflected on the credit report as a "XXXX<br>03/06/2026: Resolved. Received document showing tax warrant XXXX filed on XX/XX/XXXX in xx county has been released. |  | 03/09/2026: <br> 1. FICO OF 779 VS MIN FICO OF 720. 2. 0X30 ON MORTGAGES/HELOCS DATING BACK TO 9/2020. 3. DSCR 1.29 VS MIN DSCR 1.00. <br>| Single Family | XX/XX/XXXX | 70.000% | 70.000% | Investor | Cash Out | 779 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 02/27/2026 |
| 523 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Incomplete or Data not complete - EV R<br> COMMENT: Missing Rental comparable# 3 photos in appraisal report.<br>Resolved as the rental comp photos not mandatory per client guidelines or xxx. |  |  | 3 Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Refinance | 736 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 01/27/2026 |
| 529 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: The total verified assets of $82,002.73 are short of the 3 months guideline reserve requirement. Total verified assets from XXXX of $82,002.73 minus the cash to close of $79,821.44 = $2,181.29, which is $5549.31 short of the $7,730.61 reserves required.<br>Resolved 2/16/2026 - Received LOE as the not deposited gift is added with asset amount, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Exception to allow Non-Permanent Resident Alien with transitional status (C09 EAD)<br>A copy of an exception approval letter is available in the loan file. | FICO: 743 FICO exceeds the guideline requirement of 720.<br>Residual Income : $4,888.13 monthly<br>DTI: 42.99% DTI is less than the maximum guideline requirement of 50.00%. | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 743 |  | XXXX | 4.91 | $8575.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 42.996% | Yes | Alternative | QC Complete | 01/20/2026 |
| 531 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 732 |  | XXXX | 7.25 | $16456.32 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 49.447% |  | Full Documentation | QC Complete | 03/12/2026 |
| 532 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 2 | 2 | 2 | 1 | 1 | No | No |  |  |  | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Lender guideline Maximum LTV is 75% ,loan file qualified with 80% LTV.<br>A copy of an exception approval letter is available in the loan file. | FICO: 760 FICO exceeds the guideline requirement of 700.<br>DTI: 5.60% DTI is less than the maximum guideline requirement of 50.00%.<br>| Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Refinance | 760 | 0.08 | XXXX | 10.83 | $719203.63 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 5.600% |  | Alternative | QC Complete | 03/12/2026 |
| 535 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 26.017% | 26.017% | Primary | Purchase | 758 |  |  |  | $14028.17 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 23.045% | No | Alternative | QC Complete | 03/02/2026 |
| 537 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Mortgage missing / unexecuted - EV R<br> COMMENT: Provide a copy of deed of trust (DOT), as it is missing<br>03/02/2026: A copy of the GAP mortgage was provided. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: The borrower has 117 NSFs on the business bank account, where guideline allows maximum of 6 NSF's.<br>A copy of an exception approval letter is available in the loan file. | DTI: 36.86% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 713 FICO exceeds the guideline requirement of 700.<br>LTV: 69.54% LTV is less than the guideline requirement of 85.00%.<br>| 2 Family | XX/XX/XXXX | 69.536% | 69.536% | Primary | Refinance | 713 | 1.25 | XXXX | 4.25 | $23159.48 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.864% |  | Alternative | QC Complete | 02/24/2026 |
| 539 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Purchase | 797 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/03/2026 |
| 553 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>03/09/2026 RESOLVED: UPDATED TITLE PROVIEDED |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 801 |  |  |  | $1436.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 40.276% | No | Alternative | QC Complete | 03/03/2026 |
| 557 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Missing proof of USA tax payment in the amount of $648.00/$7,776.00 reflecting in the loan scorecard (liabilities).<br>Resolved 2/2/2026 - Received USA tax payment, condition resolved. |  |  | Single Family | XX/XX/XXXX | 74.766% | 74.766% | Primary | Purchase | 771 |  | XXXX | 22.16 | $125308.77 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.344% | No | Alternative | QC Complete | 01/20/2026 |
| 566 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount $XXXX of preliminary title insurance is not covering the loan amount $XXXX. Provide a copy of supplemental title insurance which covers the loan amount'.<br>Resolved 2/13/2026 - Received Title insured amount, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide lease agreement for XXXX to verify the payment $279.00.<br>Resolved 2/13/2026 - Received documents for solar lease, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: I-797A notice of action document expired on 01/21/2026. Provide unexpired immigration document covering the closing date XX/XX/XXXX<br>03/03/2026; Received new I-797A with expration date of 01/21/2028 |  |  | PUD | XX/XX/XXXX | 74.074% | 74.074% | Primary | Cash Out | 781 | 2.75 | XXXX | 7.66 | $41875.77 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 38.824% |  | Alternative | QC Complete | 02/10/2026 |
| 576 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 2 | 2 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide an updated title report including the mortgagee clause "ISAOA/ATIMA" for the lender loss payee.<br>Resolved 2/9/2026 - Received title report with clause, condition resolved.<br>\*\*\* (CURED) Required Documentation Missing - EV R<br> COMMENT: Provide supporting documentation to verify the XXXX judgment (XXXX) reflected in the title report.<br>Resolved 2/4/2026 - Received LOE as the child support document is not related to borrower, condition resolved. | \*\*\* (WAIVED) Loan does not conform to program guidelines - EV W<br> COMMENT: Use xxx alone. Borrower does not have a 12 month Short Term Rental history as required by guidelines. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>A copy of an exception approval letter is available in the loan file. | Reserves: The 33 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.30 DSCR exceeds the guideline requirement of 1.00. | Single Family | XX/XX/XXXX | 72.109% | 72.109% | Investor | Refinance | 760 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | DSCR | QC Complete | 01/28/2026 |
| 578 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of the most recent bank statement, dated January 2026, for both account number "XXXX<br>03/11/2026: Resolved. Received a letter of explanation that the accounts are quarterly and the one poroved is the most recent statement. |  |  | PUD | XX/XX/XXXX | 39.823% | 39.823% | Primary | Purchase | 776 |  |  |  | $13379.21 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 41.557% | No | Alternative | QC Complete | 02/26/2026 |
| 579 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Intent to Proceed Missing - EV R<br> COMMENT: Missing Intent To Proceed.<br>Resolved 02/02/2026: Received Intent to proceed document dated 01/05/2026 and exception is cleared. |  |  | PUD | XX/XX/XXXX | 55.000% | 55.000% | Primary | Purchase | 801 |  |  |  | $13401.38 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 49.533% | No | Alternative | QC Complete | 01/29/2026 |
| 581 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Cash Out | 719 | 1.42 | XXXX | 11.25 | $32982.42 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 29.184% |  | Alternative | QC Complete | 03/02/2026 |
| 582 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>03/02/2026 Updated title with $XXXX policy amount provided<br>\*\*\* (CURED) CLTV exceeds guidelines - EV R<br> COMMENT: LTV of 93% exceeds the maximum allowable LTV guideline of 80% and therefore does not meet eligibility requirements.<br>02/17/2026 Resolved - Resolved as the updated appraisal was used with XXXX and the LTV is at 80%. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Primary | Refinance | 756 | 3 | XXXX | 4.91 | $927094.39 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 1.037% |  | Alternative | QC Complete | 03/27/2026 |
| 583 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 773 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 01/30/2026 |
| 584 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Amount of title insurance is less than mortgage amount - EV R<br> COMMENT: Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XXXX does not cover the loan amount $XXXX<br>Resolved 2/12/2026 - Received title insured amount, condition resolved. |  |  | Single Family | XX/XX/XXXX | 66.387% | 66.387% | Primary | Cash Out | 728 | 4 | XXXX | 4.58 | $10104.25 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 46.361% |  | Alternative | QC Complete | 10/28/2025 |
| 589 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 738 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 03/02/2026 |
| 591 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 69.082% | 69.082% | Investor | Refinance | 813 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 03/02/2026 |
| 598 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 90.000% | 90.000% | Primary | Purchase | 773 |  | XXXX | 4.83 | $118746.27 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 21.468% | No | Alternative | QC Complete | 03/02/2026 |
| 599 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Refinance | 798 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  |  | Alternative | QC Complete | 01/19/2026 |
| 601 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 3 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 768 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX |  |  | Alternative | QC Complete | 03/03/2026 |
| 603 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | 2 Family | XX/XX/XXXX | 75.000% | 75.000% | Investor | Cash Out | 747 |  | XXXX | 3.58 | $17617.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | XXXX | 39.911% |  | Full Documentation | QC Complete | 03/12/2026 |
| 609 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 63.866% | 63.866% | Primary | Purchase | 738 |  | XXXX | 15.5 | $9177.89 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.246% | Yes | Alternative | QC Complete | 03/02/2026 |
| 610 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Completed "Subject To" w/o Compltn Cert in File - EV R<br> COMMENT: Provide a copy of 1004D as it is missing.<br> 03/10/2026: Resolved. LOE signed by borrower and pictures of repairs provided. |  |  | Single Family | XX/XX/XXXX | 85.000% | 85.000% | Investor | Purchase | 749 |  | XXXX | 25.16 | $10126.13 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 30.214% | No | Full Documentation | QC Complete | 03/02/2026 |
| 613 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 79.381% | 79.381% | Primary | Purchase | 763 |  |  |  | $22800.00 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 36.790% | No | Alternative | QC Complete | 03/02/2026 |
| 615 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Low Rise Condo (1-4 Stories) | XX/XX/XXXX | 75.000% | 75.000% | Primary | Purchase | 704 |  | XXXX | 0.08 | $4853.33 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 38.759% | No | Full Documentation | QC Complete | 03/03/2026 |
| 617 | XXXX | XXXX |  | XXXX | XXXX | Not Covered/Exempt | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: Provide a copy of (tax, insurance, or HOA fee) for the property at XX in the amount of $88.00.<br>03/03/2026: Received loe; on XXXX loans, we don't obtain additional housing expenses on retained properties, since there is no DTI and it does not ultimately matter since we only take reserves based off subject property full PITIA payments. |  |  | Single Family | XX/XX/XXXX | 80.000% | 80.000% | Investor | Purchase | 752 |  |  |  |  | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  |  | No | Alternative | QC Complete | 02/10/2026 |
| 618 | XXXX | XXXX |  | XXXX | XXXX | Non-QM/Compliant | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | XX/XX/XXXX | 80.000% | 80.000% | Primary | Purchase | 726 |  | XXXX | 7.92 | $12087.20 | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 44.807% | No | Alternative | QC Complete | 03/03/2026 |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Infinity Loan ID** | **Loan Number** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| 10 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | Z2UFLNTWGXC-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Title report missing ISAOA/ATIMA verbiage for the mortgagee/lender. Provide an updated title report reflecting the lender as loss payee, including ISAOA/ATIMA.<br>02/20/2026 Name of Insured: XXXXX , Its Successors and/or Assigns , as their interests may appear. Has been added to title. | 02/20/2026 Name of Insured: XXXX , Its Successors and/or Assigns , as their interests may appear. Has been added to title. | 02/20/2026 Name of Insured: XXXX , Its Successors and/or Assigns , as their interests may appear. Has been added to title. |  |  | QC Complete | 01/29/2026 | 02/20/2026 | 02/20/2026 | 01/28/2026 |
| 12 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | KBL2ELMYAMG-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Loan Scorecard is missing in the file.<br>Resolved 2/10/2026 - Received loan details, condition resolved. | Resolved 2/10/2026 - Received loan details, condition resolved. | Resolved 2/10/2026 - Received loan details, condition resolved. |  |  | QC Complete | 01/28/2026 | 02/10/2026 | 02/10/2026 | 01/28/2026 |
| 17 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | R4DKFUNHMLU-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the driving license for borrower 'XXX, as it is missing.<br>Resolved 2/11/2026 - Received Id, condition resolved. | Resolved 2/11/2026 - Received Id, condition resolved. | Resolved 2/11/2026 - Received Id, condition resolved. |  |  | QC Complete | 01/29/2026 | 02/11/2026 | 02/11/2026 | 01/29/2026 |
| 35 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | FL50TORJJ5C-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide proof of ommission for the following accounts: XXXX<br>03/02/2026; The accounts in question are all authorized user accounts | 03/02/2026; The accounts in question are all authorized user accounts | 03/02/2026; The accounts in question are all authorized user accounts |  |  | QC Complete | 02/11/2026 | 03/02/2026 | 03/02/2026 | 02/11/2026 |
| 36 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XMN1YKD3HH0-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | MA 209 CMR 32.35) 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 Massachusetts Regulations<br>MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test: Charged 7.918% Allowed 7.690% Overby +0.228%<br>This loan is compliant with regulation MA 209 CMR 32.35. | This loan is compliant with regulation MA 209 CMR 32.35. | This loan is compliant with regulation MA 209 CMR 32.35. |  |  | QC Complete | 01/16/2026 | 01/16/2026 | 01/16/2026 | 01/16/2026 |
| 36 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | XMN1YKD3HH0-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 7.918% Allowed 7.690% Overby +0.228%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 01/16/2026 | 01/16/2026 | 01/16/2026 | 01/16/2026 |
| 39 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Other Disclosures | CWWZMAHTPHF-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide an updated Deed of Trust (DOT) with the PUD rider removed, as the appraisal does not indicate the property is a PUD.<br>03/06/2026: Rejected. An updated appraisal will also be needed to verify property is a PUD with no HOA fee.<br> 03/11/2026: Property is in a PUD and documentation was provided to show $0.00 HOA and a PUD rider was provided. Appraisal does not need to be updated. | 03/11/2026: Property is in a PUD and documentation was provided to show $0.00 HOA and a PUD rider was provided. Appraisal does not need to be updated. | 03/11/2026: Property is in a PUD and documentation was provided to show $0.00 HOA and a PUD rider was provided. Appraisal does not need to be updated. |  |  | QC Complete | 02/12/2026 | 03/11/2026 | 03/11/2026 | 02/12/2026 |
| 39 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | CWWZMAHTPHF-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of LoanScorecard missing in loan file.<br>02/20/2026 Not Resolved: Documents provided is not the Loanscore card.<br>03/06/2026; Resolved. A loannex was provided. | <br> 03/06/2026; Resolved. A XX was provided. | <br> 03/06/2026; Resolved. A loannex was provided. |  |  | QC Complete | 02/12/2026 | 03/06/2026 | 03/06/2026 | 02/11/2026 |
| 49 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 3UVULTCPFG0-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 9.198% Allowed 7.720% Overby +1.478%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 01/15/2026 | 01/15/2026 | 01/15/2026 | 01/14/2026 |
| 73 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | V1G1XYIWXFX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Title report does not reflect the required mortgagee clause "ISAOA/ATIMA" for the lender loss payee.<br>Resolved 2/10/2026 - Received title mortgage clause, condition resolved. | Resolved 2/10/2026 - Received title mortgage clause, condition resolved. | Resolved 2/10/2026 - Received title mortgage clause, condition resolved. |  |  | QC Complete | 01/29/2026 | 02/10/2026 | 02/10/2026 | 01/29/2026 |
| 78 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | SGF5W5K55PN-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>02/11/2026 Resolved: A preliminary title report is in the file. It does not include an insured loan amount but final policy will reflect $XXXX. as shown in the closing instructions. | 02/11/2026 Resolved: A preliminary title report is in the file. It does not include an insured loan amount but final policy will reflect $XXXX. as shown in the closing instructions. | 02/11/2026 Resolved: A preliminary title report is in the file. It does not include an insured loan amount but final policy will reflect $XXXX. as shown in the closing instructions. |  |  | QC Complete | 01/30/2026 | 02/11/2026 | 02/11/2026 | 01/28/2026 |
| 91 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | B4DGIFD5X1M-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 7.964% Allowed 7.690% Overby +0.274%<br>This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 | This loan is compliant with regulation 1026.35 |  |  | QC Complete | 02/12/2026 | 02/12/2026 | 02/12/2026 | 02/11/2026 |
| 107 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit |  | DNOISWVDPNU-QSFFZZOT | Resolved | 3 | R | \* Hazard Insurance Coverage less than Loan Amount (Lvl R) | Dwelling amount $XXXX is not sufficient to cover loan amount $XXXX, provide a copy of replacement cost estimator is being covered by the dwelling.<br>03/06/2026: Resolved. Received email stating the borrower has 100% extended dwelling coverage so she would have a total coverage amount of $XXXX | 03/06/2026: Resolved. Received email stating the borrower has 100% extended dwelling coverage so she would have a total coverage amount of $XXXX | 03/06/2026: Resolved. Received email stating the borrower has 100% extended dwelling coverage so she would have a total coverage amount of $XXXX |  |  | QC Complete | 02/26/2026 | 03/06/2026 | 03/06/2026 | 02/24/2026 |
| 110 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | SP2EU1N3UOR-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing supporting document (taxes and insurance) for borrower's primary property address XXXX<br>Required LOX stating that property address XXXX is no longer renting with borrower and moved to new primary residence.<br>03/11/2026: Resolved. Received tax and insurance information. The HUD provided shows the borrowers purchasing address XXXX | 03/11/2026: Resolved. Received tax and insurance information. The HUD provided shows the borrowers purchasing address XXXX | 03/11/2026: Resolved. Received tax and insurance information. The HUD provided shows the borrowers purchasing address XXXX |  |  | QC Complete | 02/12/2026 | 03/11/2026 | 03/11/2026 | 02/11/2026 |
| 115 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Doc Issue | URUQXS1L0WU-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Appraisal report is incomplete, provide an updated appraisal report included rental comparable, as it is required by the guidelines.<br>Resolved as the rental comp photos not mandatory per client guidelines or xxx. | Resolved as the rental comp photos not mandatory per client guidelines or xxx. | Resolved as the rental comp photos not mandatory per client guidelines or xxx. |  |  | QC Complete | 01/30/2026 | 02/04/2026 | 02/04/2026 | 01/30/2026 |
| 122 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Property | IDEHRRFRDJ2-7BC6773S | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Provide an updated appraisal report that includes the appraiser's license.<br>02/20/2026 Resolved - The a copy of the license was provided | 02/20/2026 Resolved - The a copy of the license was provided | 02/20/2026 Resolved - The a copy of the license was provided |  |  | QC Complete | 02/12/2026 | 02/20/2026 | 02/20/2026 | 02/12/2026 |
| 125 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Credit | PZZYT1MGBO0-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Condo Questionnaire, as it is missing.<br> 03/05/2026. Resolved Property is an attached 2-4 unit/row/townhouse. Condo project waiver a questionnaire is not required. | 03/05/2026. Resolved Property is an attached 2-4 unit/row/townhouse. Condo project waiver a questionnaire is not required. | 03/05/2026. Resolved Property is an attached 2-4 unit/row/townhouse. Condo project waiver a questionnaire is not required. | Property is an attached 2-4 unit/row/townhouse. Condo project waiver a questionnaire is not required. |  | QC Complete | 02/26/2026 | 03/05/2026 | 03/05/2026 | 02/25/2026 |
| 125 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | PZZYT1MGBO0-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the Title Supplemental Report covering the loan amount of $XXXX<br> 03/05/2026. Title with amount of insurance of $XXXX in the file. | 03/05/2026. Title with amount of insurance of $XXXX in the file. | 03/05/2026. Title with amount of insurance of $XXXX in the file. | 03/05/2026. Title with amount of insurance of $XXXX in the file. |  | QC Complete | 02/26/2026 | 03/06/2026 | 03/06/2026 | 02/25/2026 |
| 255 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | AIV0MEN03UM-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | "An LOX and verification are requested to explain the exclusion of the XXXX debt from the DTI calculation. The DTI rises from 19.35% to 24.02% with the addition of this liability, the DTI is still within guideline limits."<br>03/30/2026: Resolved as the DTI is within the guideline limits. | 03/30/2026: Resolved as the DTI is within the guideline limits. | 03/30/2026: Resolved as the DTI is within the guideline limits. |  |  | QC Complete | 03/30/2026 | 03/30/2026 | 03/30/2026 | 02/13/2026 |
| 258 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | PP3MNZQRDGJ-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of proposed Lender's coverage on the Preliminary Title is less than the loan amount. The document reflects coverage in the amount of $XXXX, however, the Note reflects a loan amount of XXXX. Provide a copy of updated Title Supplement to cover the loan amount.<br>03/12/2026: Resolved. Updated title provided. | 03/12/2026: Resolved. Updated title provided. | 03/12/2026: Resolved. Updated title provided. |  |  | QC Complete | 03/02/2026 | 03/12/2026 | 03/12/2026 | 02/27/2026 |
| 263 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | WYDCSN1RKZB-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the additional bank statement of XXXX and XXXX. As per guidelines, the most recent two (2) months of account statements or the most recent quarterly account statement are required.<br>Resolved 2/3/2026 - Received Lox as Both accounts were newer at the time and there was not a 2 month history. Both accounts were opened with funds from cashed in CDs. Comments were on the assets worksheet and documents from CDs are attached, condition resolved. | Resolved 2/3/2026 - Received Lox as Both accounts were newer at the time and there was not a 2 month history. Both accounts were opened with funds from cashed in CDs. Comments were on the assets worksheet and documents from CDs are attached, condition resolved. | Resolved 2/3/2026 - Received Lox as Both accounts were newer at the time and there was not a 2 month history. Both accounts were opened with funds from cashed in CDs. Comments were on the assets worksheet and documents from CDs are attached, condition resolved. |  |  | QC Complete | 01/28/2026 | 02/03/2026 | 02/03/2026 | 01/27/2026 |
| 269 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | QC3UDJMY0YG-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The lease agreement provided for the subject property (Unit #4) expired on 09/30/2025. Please provide a copy of the current, fully executed lease agreement.<br>03/03/2026; LOE from client: Purchase transaction - lease in file is dated 09/2025 and appraisal is showing a new lease<br> through 09/2026. Using lower amount - current rent of $4707 fair market $4707 and<br> rent used for qualifying $3900-worst case | 03/03/2026; LOE from client: Purchase transaction - lease in file is dated XX/XX/XXXX and appraisal is showing a new lease<br> through XX/XX/XXXX. Using lower amount - current rent of $4707 fair market $4707 and<br> rent used for qualifying $3900-worst case | 03/03/2026; LOE from client: Purchase transaction - lease in file is dated XX/XX/XXXX and appraisal is showing a new lease<br> through 09/2026. Using lower amount - current rent of $4707 fair market $4707 and<br> rent used for qualifying $3900-worst case |  |  | QC Complete | 02/13/2026 | 03/03/2026 | 03/03/2026 | 02/13/2026 |
| 279 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | DS3TUNUGEVJ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The loan file does not meet guideline requirements, as the cash-out proceeds total $XXXX, exceeding the maximum allowed amount of $500,000 at 80% LTV.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 745 FICO exceeds the guideline requirement of 700.<br>DTI: 38.48% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 111 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 03/27/2026 |  |  | 02/27/2026 |
| 281 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | B2THF4ICJ4T-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Coverage amount $XXXX on the title report is less than the mortgage loan amount of $XXXX. Provide a copy of Title Supplement to cover the loan amount. | 03/09/2026: RRESOLVED CORRECTED TITLE POLICY AMOUNT PROVIDED. | 03/09/2026: RRESOLVED CORRECTED TITLE POLICY AMOUNT PROVIDED. |  |  | QC Complete | 03/02/2026 | 03/09/2026 | 03/09/2026 | 03/02/2026 |
| 281 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Valuation | Valuation | B2THF4ICJ4T-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | The CDA supporting the appraised value of $XXXX, which is used to calculate the LTV, is missing.<br>03/06/2026; Resolved. A CDA for $XXXX was provided which is within the 10% variance. | 03/06/2026; Resolved. A CDA for $XXXX was provided which is within the 10% variance. | 03/06/2026; Resolved. A CDA for $XXXX was provided which is within the 10% variance. |  |  | QC Complete | 03/02/2026 | 03/06/2026 | 03/06/2026 | 03/03/2026 |
| 281 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | B2THF4ICJ4T-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Maximum LTV allowed is 75%; current LTV is 76.830%.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 718 FICO exceeds the guideline requirement of 640.<br>DTI: 37.64% DTI is less than the maximum guideline requirement of 50.00%.<br>Reserves: The 10 months of available reserves are more than the guideline requirement of 3 months. |  | QC Complete | 03/02/2026 |  |  | 03/02/2026 |
| 282 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | JPPNFRTBNBO-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of updated supplemental title report , as the provided supplemental title insured amount $XXXX is inadequate to fully cover the loan amount of $XXXX<br>03/10/2026: Resolved. Supplemental report provided for $XXXX | 03/10/2026: Resolved. Supplemental report provided for $XXXX | 03/10/2026: Resolved. Supplemental report provided for $XXXX |  |  | QC Complete | 02/26/2026 | 03/10/2026 | 03/10/2026 | 02/26/2026 |
| 282 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | JPPNFRTBNBO-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception requested to consider 28 NSFs reflected on the business account over the most recent 12-month period. Borrower has provided a Letter of Explanation stating the occurrences were related to mid-year payroll and ACH provider changes.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 752 FICO exceeds the guideline requirement of 740.<br>LTV: 74.98% LTV is less than the guideline requirement of 70.00%.<br>DTI: 30.71% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 02/26/2026 |  |  | 02/26/2026 |
| 285 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Valuation | Property | G3SJQ2I5N21-7BC6773S | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | Provide a copy of Appraiser license as it is missing.<br>03/09/2026: RESOLVED. COPY OF LICENSE WAS PROVIDED. | 03/09/2026: RESOLVED. COPY OF LICENSE WAS PROVIDED. | 03/09/2026: RESOLVED. COPY OF LICENSE WAS PROVIDED. |  |  | QC Complete | 02/24/2026 | 03/09/2026 | 03/09/2026 | 02/24/2026 |
| 285 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | G3SJQ2I5N21-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception on market score below 60 to allow for 0.50 DSCR Ratio.<br>A copy of an exception approval letter is available in the loan file. |  |  | LTV: 16.81% LTV is less than the guideline requirement of 70.00%.<br>FICO: 777 FICO exceeds the guideline requirement of 700.<br>Reserves: The 37 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 02/24/2026 |  |  | 02/24/2026 |
| 288 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Doc Issue | 5SXLCSQR10L-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Guidelines require a second full appraisal for loan amounts greater than $XXXX As the loan amount is $XXXX, a second full appraisal is missing. Provided a copy of Second full appraisal as it is required by the guidelines.<br>Not Resolved 2/2/2026 - Required second full appraisal, condition not resolved.<br>Resolved 2/9/2026 - Received LOE as the second appraisal is not recommended, condition Resolved. | Resolved 2/9/2026 - Received LOE as the second appraisal is not recommended, condition Resolved. | Resolved 2/9/2026 - Received LOE as the second appraisal is not recommended, condition Resolved. |  |  | QC Complete | 01/27/2026 | 02/10/2026 | 02/10/2026 | 01/27/2026 |
| 290 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | BKXBXLBCYR0-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of supporting document for the below liens:<br>i)Notice of Lien in favor of the XXXX dated XX/XX/XXXX and recorded XX/XX/XXXX in Volume 1474at Page 283 of the XXXX<br>ii)XXXX n in the amount of $1,965.75 dated XX/XX/XXXX and recorded XX/XX/XXXX in Volume 1934 at Page 585 of the XXXX<br>03/02/2026: This is a purchase transaction, the liens are not against the borrower but the seller. Not required to address seller liens. | 03/02/2026: This is a purchase transaction, the liens are not against the borrower but the seller. Not required to address seller liens. | 03/02/2026: This is a purchase transaction, the liens are not against the borrower but the seller. Not required to address seller liens. |  |  | QC Complete | 02/13/2026 | 03/02/2026 | 03/02/2026 | 02/13/2026 |
| 290 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | BKXBXLBCYR0-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a rent-free letter for the property located at XXXX<br>03/02/2026: Rent free letters on xxx loans are not required per guidelines. | <br> 03/02/2026: Rent free letters on xxx loans are not required per guidelines. | <br> 03/02/2026: Rent free letters on xxx loans are not required per guidelines. |  |  | QC Complete | 02/13/2026 | 03/02/2026 | 03/02/2026 | 02/13/2026 |
| 301 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | 0PRGCQHYSKN-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Hazard insurance with Mortgagee Clause.<br>1/15/2026 Not resolved. The mortgagee clause is missing on the HO6, please provide<br>Resolved 2/5/2026 - Received insurance with mortgage clause, condition resolved. | Resolved 2/5/2026 - Received insurance with mortgage clause, condition resolved. | Resolved 2/5/2026 - Received insurance with mortgage clause, condition resolved. |  |  | QC Complete | 01/12/2026 | 02/05/2026 | 02/05/2026 | 01/12/2026 |
| 301 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 0PRGCQHYSKN-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The borrower is living rent-free and taking cash-out on an inxxxment property. A complete exception approval form is required, including all applicable compensating factors.<br>01/14/2026 - A copy of an exception approval letter has been received. |  |  | FICO: 766 FICO exceeds the guideline requirement of 700.<br>Reserves: The 66 months of available reserves are more than the guideline requirement of 6 months. |  | QC Complete | 01/12/2026 |  |  | 01/12/2026 |
| 305 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 4X2FMPF1P4X-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>Resolved 2/4/2026 - Received title insured amount, condition resolved. | Resolved 2/4/2026 - Received title insured amount, condition resolved. | Resolved 2/4/2026 - Received title insured amount, condition resolved. |  |  | QC Complete | 01/28/2026 | 02/04/2026 | 02/04/2026 | 01/27/2026 |
| 315 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | C2DTWWGVV2B-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the updated supplemental title report as the proposed insured title amount covering the loan amount of $XXXX<br>Resolved 2/9/2026 - Received title insured amount, condition resolved. | Resolved 2/9/2026 - Received title insured amount, condition resolved. | Resolved 2/9/2026 - Received title insured amount, condition resolved. |  |  | QC Complete | 02/02/2026 | 02/09/2026 | 02/09/2026 | 01/30/2026 |
| 316 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Other Disclosures | 0DLOVO0P5NN-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Provide a copy of tax and Insurance for property XXXX as it is missing<br>03/02/2026: A mortgage statement was provided showing taxes and insurance are escrowed. | 03/02/2026: A mortgage statement was provided showing taxes and insurance are escrowed. | 03/02/2026: A mortgage statement was provided showing taxes and insurance are escrowed. |  |  | QC Complete | 03/27/2026 | 03/27/2026 | 03/27/2026 | 02/24/2026 |
| 316 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Valuation | Property | 0DLOVO0P5NN-7BC6773S | Resolved | 3 | R | \* Property Issues indicated (Lvl R) | The latest appraisal report reflecting occupancy as "Owner". Require correction as "vacant" or "tenant".<br>03/11/2026: Resolved. Appraisal provided marked as tenant. | 03/11/2026: Resolved. Appraisal provided marked as tenant. | 03/11/2026: Resolved. Appraisal provided marked as tenant. |  |  | QC Complete | 03/27/2026 | 03/27/2026 | 03/27/2026 | 02/24/2026 |
| 316 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 0DLOVO0P5NN-J587LE2V | Waived | 3 | W | \* Loan does not conform to program guidelines (Lvl W) | The subject property is a condominium with no separate bedroom and a living area of xx square feet (under 500 square feet). Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>03/02/2026; Comp factors received. |  |  | Reserves: The 16 months of available reserves are more than the guideline requirement of 6 months.<br>FICO: 752 FICO exceeds the guideline requirement of 640. | Condition Flag: Resolution Required | QC Complete | 03/27/2026 |  |  | 02/24/2026 |
| 317 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | 0CV5WI3URF4-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | The loan amount of $xx does not meet the guideline requirement for minimum loan amount of $100,000.<br>01/16/2026 - A copy of an exception approval letter has been received. |  |  | FICO: 692 FICO exceeds the guideline requirement of 680.<br>Reserves: The 101 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.89 DSCR exceeds the guideline requirement of 0.50. |  | QC Complete | 01/09/2026 |  |  | 01/09/2026 |
| 322 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | ZE0GCV1WUWA-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of updated supplemental title report including Lender ISAOA/ATIMA Clause.<br>03/02/2026: Updated title provided with ISAOA/ATIMA Clause | 03/02/2026: Updated title provided with ISAOA/ATIMA Clause | 03/02/2026: Updated title provided with ISAOA/ATIMA Clause |  |  | QC Complete | 02/13/2026 | 03/02/2026 | 03/02/2026 | 02/13/2026 |
| 344 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | PDTVSBTTXRB-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The final application for the co-borrower reflects a discrepancy between the current address listed as XXXX and the REO property address shown as XXXX (Primary Residence).<br>03/04/2026: corrected 1003 provide | 03/04/2026: corrected 1003 provided | 03/04/2026: corrected 1003 provided |  |  | QC Complete | 02/24/2026 | 03/04/2026 | 03/04/2026 | 02/24/2026 |
| 345 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | SFH41X3NQQD-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of XXXX business checking statement account ending in XXXX for the business "XXXX" for the month XX/XX/XXXX , as it is missing<br>03/11/2026: Resolved. Received bank statement. | 03/11/2026: Resolved. Received bank statement. | 03/11/2026: Resolved. Received bank statement. |  |  | QC Complete | 02/25/2026 | 03/11/2026 | 03/11/2026 | 02/25/2026 |
| 345 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | SFH41X3NQQD-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XXXX does not cover the loan amount $XXXX<br>03/05/2026: Resolved. Title was provided with coverage of $XXXX | 03/05/2026: Resolved. Title was provided with coverage of $XXXX | 03/05/2026: Resolved. Title was provided with coverage of $XXXX |  |  | QC Complete | 02/25/2026 | 03/27/2026 | 03/27/2026 | 02/25/2026 |
| 369 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 3A1PWKO4DPS-H3X4TJ0T | Resolved | 3 | R | \* Missing Title evidence (Lvl R) | Provide a copy of updated title report including all schedules, reflecting the subject property address, effective date, and insured policy amount.<br>Resolved 2/2/2026 - Received updated title report with schedule A and effective date, condition resolved. | Resolved 2/2/2026 - Received updated title report with schedule A and effective date, condition resolved. | Resolved 2/2/2026 - Received updated title report with schedule A and effective date, condition resolved. |  |  | QC Complete | 01/27/2026 | 02/02/2026 | 02/02/2026 | 01/27/2026 |
| 376 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 0XXMWE3DU4T-J587LE2V | Waived | 3 | W | \* Loan does not conform to program guidelines (Lvl W) | The HOA reserve fund balance is below the required 20%, currently at 13.74%. Full exception approval is required. The exception approval email is incomplete and missing with comp factors.<br>A copy of an exception approval letter has been received. |  |  | FICO: 794 FICO exceeds the guideline requirement of 640.<br>LTV: 69.58% LTV is less than the guideline requirement of 75.00%.<br>DTI: 36.80% DTI is less than the maximum guideline requirement of 50.00%. | Condition Flag: Resolution Required | QC Complete | 02/02/2026 |  |  | 01/30/2026 |
| 376 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Credit | 0XXMWE3DU4T-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | The lease agreement in the file is incomplete, with the first two pages missing. As a result, the property address cannot be verified, and it is unclear which property the lease agreement pertains to. Please provide the lease agreement with all pages.<br>Resolved 02/12/2026: Resolved as we have a VOM and cancelled checks to verify the pay history. | Resolved 02/12/2026: Resolved as we have a VOM and cancelled checks to verify the pay history. | Resolved 02/12/2026: Resolved as we have a VOM and cancelled checks to verify the pay history. |  |  | QC Complete | 02/02/2026 | 02/12/2026 | 02/12/2026 | 01/30/2026 |
| 376 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Credit | 0XXMWE3DU4T-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing condo questionnaire.<br>Resolved 2/5/2026 - Received condo questionnaire, condition resolved. | Resolved 2/5/2026 - Received condo questionnaire, condition resolved. | Resolved 2/5/2026 - Received condo questionnaire, condition resolved. |  |  | QC Complete | 02/02/2026 | 02/05/2026 | 02/05/2026 | 02/03/2026 |
| 377 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | KWOEOZZ1UTQ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | NSF/Overdraft: No Housing history for unlimited NSF's in 12 months. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>01/30/2026 - A copy of an exception approval letter has been received. |  |  | FICO: 753 FICO exceeds the guideline requirement of 680.<br>DTI: 8.32% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/28/2026 |  |  | 01/27/2026 |
| 377 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | KWOEOZZ1UTQ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the evidence wire receipt for the gift amount of $xxx, as it is missing.<br>Resolved 2/2/2026 - Received wire transfer document, condition resolved. | Resolved 2/2/2026 - Received wire transfer document, condition resolved. | Resolved 2/2/2026 - Received wire transfer document, condition resolved. |  |  | QC Complete | 01/28/2026 | 02/02/2026 | 02/02/2026 | 01/28/2026 |
| 378 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | 3OVJN2LF52T-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Provide a copy of Flood cert for the subject property XXXX, as it is missing.<br>03/05/2026: Resolved. A flood cert was provided | 03/05/2026: Resolved. A flood cert was provided | 03/05/2026: Resolved. A flood cert was provided |  |  | QC Complete | 02/26/2026 | 03/27/2026 | 03/27/2026 | 02/26/2026 |
| 379 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | ULG3MNI1N2N-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated flood certificate with property addresses reflecting as "XXXX".<br>Resolved 1/27/2026 - Received flood cert with correct property address, condition resolved. | Resolved 1/27/2026 - Received flood cert with correct property address, condition resolved. | Resolved 1/27/2026 - Received flood cert with correct property address, condition resolved. |  |  | QC Complete | 01/21/2026 | 03/04/2026 | 03/04/2026 | 01/20/2026 |
| 379 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | ULG3MNI1N2N-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount $XXXX of preliminary title insurance is not covering the loan amount $XXXX. Provide a copy of supplemental title insurance which covers the loan amount'.<br>Resolved 1/26/2026 - Received title insured amount, condition resolved. | Resolved 1/26/2026 - Received title insured amount, condition resolved. | Resolved 1/26/2026 - Received title insured amount, condition resolved. |  |  | QC Complete | 01/21/2026 | 01/26/2026 | 01/26/2026 | 01/20/2026 |
| 379 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | ULG3MNI1N2N-DFWG7HN5 | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Provide an updated hazard insurance with insured location reflecting as "XXXX".<br>03/04/2026: Resolved. Received loe with The HOI policy is correct with the address not showing the unit number. Confirmed against the appraisal. | <br> 03/04/2026: Resolved. Received loe with The HOI policy is correct with the address not showing the unit number. Confirmed against the appraisal. | <br> 03/04/2026: Resolved. Received loe with The HOI policy is correct with the address not showing the unit number. Confirmed against the appraisal. | Appraisal confirmed no unit number |  | QC Complete | 01/21/2026 | 03/06/2026 | 03/06/2026 | 01/20/2026 |
| 390 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | 2WNNYW0YJAH-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.260% Allowed 7.490% Overby +0.770%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/12/2026 | 03/12/2026 | 03/12/2026 | 03/11/2026 |
| 398 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | C02CROF1D3N-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | (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.<br>Higher-Priced Mortgage Loan Test: Charged 8.052% Allowed 7.560% Overby +0.492%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 01/30/2026 | 01/30/2026 | 01/30/2026 | 01/29/2026 |
| 402 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Valuation | Doc Issue | 4UFQORSPJKR-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Guidelines require a second full appraisal for loan amounts greater than $XXXX As the loan amount is $XXXX, a second full appraisal is missing. Provided a copy of Second full appraisal as it is required by the guidelines.<br>03/05/2026 Resolved. Updated guidelines dated 12/18/2025 for loans already in the pipeline only require 2nd appraisal for loans $XXXX or more. | 03/05/2026 Resolved. Updated guidelines dated 12/XX/2025 for loans already in the pipeline only require 2nd appraisal for loans $XX or more. | 03/05/2026 Resolved. Updated guidelines dated 12/18/2025 for loans already in the pipeline only require 2nd appraisal for loans $2,000,000.00 or more. |  |  | QC Complete | 02/27/2026 | 03/05/2026 | 03/05/2026 | 02/27/2026 |
| 405 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | I03ODENIIHR-U0OKEMMW | Waived | 3 | W | \* Required Documentation Missing or Incomplete (Lvl W) | Exception requested for a loan amount of $XXXX vs. the required XXXX and the appraised value came in lower than the purchase price. The purchase price is $XXXX, while the appraised value is $XXXX Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>03/12/2026: Resolved. Comp factors provided Reserves $38,266vs $5,400 required, DSCR 1.11 vs 1.00, 724 FICO |  |  | Reserves: The 43 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.11 DSCR exceeds the guideline requirement of 1.00. | Condition Flag: Resolution Required | QC Complete | 03/27/2026 |  |  | 03/03/2026 |
| 405 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Doc Issue | I03ODENIIHR-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Provide final 1003 application as it is missing.<br> 03/11/2026: Resolved. Final 1003 provided | 03/11/2026: Resolved. Final 1003 provided | 03/11/2026: Resolved. Final 1003 provided |  |  | QC Complete | 03/27/2026 | 03/27/2026 | 03/27/2026 | 03/03/2026 |
| 412 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 4HSJYN4ZO5F-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated Hazard insurance including mortgagee clause ISAOA/ATIMA.<br>Resolved 2/4/2026 - Received insurance document with the mortgage clause, condition resolved. | Resolved 2/4/2026 - Received insurance document with the mortgage clause, condition resolved. | Resolved 2/4/2026 - Received insurance document with the mortgage clause, condition resolved. |  |  | QC Complete | 01/20/2026 | 02/04/2026 | 02/04/2026 | 01/20/2026 |
| 412 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 4HSJYN4ZO5F-DW5VNZ46 | Resolved | 3 | R | \* Condo / PUD rider Missing (Lvl R) | Provide a copy of PUD rider as it is missing.<br>Provide an updated mortgage or deed of trust (DOT) with the PUD Rider box checked.<br>Resolved 2/9/2026 - Received PUD rider, condition resolved. | Resolved 2/9/2026 - Received PUD rider, condition resolved. | Resolved 2/9/2026 - Received PUD rider, condition resolved. |  |  | QC Complete | 01/20/2026 | 02/09/2026 | 02/09/2026 | 01/19/2026 |
| 423 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 1PMC01X0NGA-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of updated title commitment including Lender ISAOA/ATIMA clause.<br>Resolved 2/10/2026 - Received LOE as Texas state not required mortgage clause verbiage, condition resolved. | Resolved 2/10/2026 - Received LOE as Texas state not required mortgage clause verbiage, condition resolved. | Resolved 2/10/2026 - Received LOE as Texas state not required mortgage clause verbiage, condition resolved. |  |  | QC Complete | 01/30/2026 | 02/10/2026 | 02/10/2026 | 01/30/2026 |
| 423 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | 1PMC01X0NGA-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated credit report or supporting documents for the following liabilities as it is missing.<br>A/c&nbsp;&nbsp;&nbsp;&nbsp; account #&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Balance Payment<br>Inst XXXX&nbsp;&nbsp;&nbsp;&nbsp; $24,242 $180.00<br> Rev XXXX $3,304&nbsp;&nbsp;&nbsp;&nbsp; $34.00<br> Rev XXXX&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $29&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $29.00<br> Rev XXXX&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $28&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $28.00<br> Open XXXX&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $16\*<br>02/20/2026: Received a loe stating:RE: Loan #XXXX<br> Borrower XXXX<br> Property Address XXXX<br> To Whom it May Concern:<br> Regarding Exception "XXXX - Provide a copy of updated credit report or supporting documents for<br> the following liabilities as it is missing"<br> Explanation from UW - The debts cited in the audit finding do not appear on the current credit<br> report. They were self-disclosed and included in DTI, and the borrower still qualifies. These<br> items are also likely duplicate liabilities imported from a prior credit report, with no active<br> tradelines on the current report. Because they are not bureau-reported, no credit-report<br> documentation exists; statements can be obtained if required. The current Credit Report is<br> attached to this Letter of Explanation. | 02/20/2026: Received a loe stating:RE: Loan #XXXX<br> Borrower XXXX<br> Property Address XXXX<br> To Whom it May Concern:<br> Regarding Exception "2377-195 - Provide a copy of updated credit report or supporting documents for<br> the following liabilities as it is missing"<br> Explanation from UW - The debts cited in the audit finding do not appear on the current credit<br> report. They were self-disclosed and included in DTI, and the borrower still qualifies. These<br> items are also likely duplicate liabilities imported from a prior credit report, with no active<br> tradelines on the current report. Because they are not bureau-reported, no credit-report<br> documentation exists; statements can be obtained if required. The current Credit Report is<br> attached to this Letter of Explanation. | 02/20/2026: Received a loe stating:RE: Loan #XXXX<br> XXXX<br> Property Address XXXX<br> To Whom it May Concern:<br> Regarding Exception "2377-195 - Provide a copy of updated credit report or supporting documents for<br> the following liabilities as it is missing"<br> Explanation from UW - The debts cited in the audit finding do not appear on the current credit<br> report. They were self-disclosed and included in DTI, and the borrower still qualifies. These<br> items are also likely duplicate liabilities imported from a prior credit report, with no active<br> tradelines on the current report. Because they are not bureau-reported, no credit-report<br> documentation exists; statements can be obtained if required. The current Credit Report is<br> attached to this Letter of Explanation. |  |  | QC Complete | 01/30/2026 | 02/20/2026 | 02/20/2026 | 01/29/2026 |
| 429 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 4 | 1 | Credit | LTV/CLTV | UHCUR2ARWKP-I1CDNYEZ | Resolved | 4 | R | \* CLTV exceeds guidelines (Lvl R) | LTV of 90.44% exceeds the maximum allowable LTV guideline of 75% and therefore does not meet eligibility requirements.<br>02/25/2026: Received a CDA for $XXXX which is 9.76 variance from the appraised value of $XXXX. Using the value of $XXXX | 02/25/2026: Received a CDA for $XXXX which is 9.76 variance from the appraised value of $XXXX. Using the value of $XXXX | 02/25/2026: Received a CDA for $XXXX which is 9.76 variance from the appraised value of $XXXX Using the value of $XXXX |  |  | QC Complete | 03/27/2026 | 03/27/2026 | 03/27/2026 | 03/27/2026 |
| 429 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 4 | 1 | Valuation | Valuation | UHCUR2ARWKP-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Provide a secondary valuation, such as a BPO or full appraisal to support the $XXXX appraised value. The appraisal reflects a value of $XXXX, while the XXXX (CDA) reflects $XXXX, a variance of -17.073%.<br>Resolved 1/30/2026 - Received LOE as the CDA does not have any impact as 2 appraisal already available, condition resolved.<br>Not Resolved 02/18/2026 - The received LOE is not acceptable as the CDA is required as per the guidelines to support the appraisal value of $XXXX<br> 02/24/2026: Received a CDA for $XXXX which is 9.76 variance from the appraised value of $XXXX. | 02/24/2026: Received a CDA for $XXXX which is 9.76 variance from the appraised value of $XXXX | 02/24/2026: Received a CDA for $XXXX which is 9.76 variance from the appraised value of $XXXX |  |  | QC Complete | 03/27/2026 | 03/27/2026 | 03/27/2026 | 01/13/2026 |
| 448 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | NKH0CXEKQEH-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of CPA letter as it is missing.<br>03/04/2026: Rejected. Document provided is not a letter from the CPA but rather a franchise tax account status.<br> 03/11/2026: Resolved; Business formation doc filed with the state which confirms the borrower is sole owner | 03/11/2026: Resolved; Business formation doc filed with the state which confirms the borrower is sole owner | 03/11/2026: Resolved; Business formation doc filed with the state which confirms the borrower is sole owner |  |  | QC Complete | 02/24/2026 | 03/11/2026 | 03/11/2026 | 02/23/2026 |
| 460 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Credit | JYCWZBGVABD-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of XXXX business checking statement account ending in XXXX for the business "XXXX" for the month 07/30/2025 , as it is missing.<br>03/10/2026: Resolved. Received XXXX for 07/31/2025 | 03/10/2026: Resolved. Received XXXX for 07/31/2025 | 03/10/2026: Resolved. Received B of A XXXX for 07/31/2025 |  |  | QC Complete | 02/24/2026 | 03/10/2026 | 03/10/2026 | 02/24/2026 |
| 460 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | JYCWZBGVABD-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Requesting a two-point FICO exception: borrower credit score is 703; minimum required score is 740.<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 99 months of available reserves are more than the guideline requirement of 24 months.<br>DTI: 27.05% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 50.00% LTV is less than the guideline requirement of 85.00%. |  | QC Complete | 02/24/2026 |  |  | 02/24/2026 |
| 463 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 1 | Credit | Credit | IOYKCDZJDD1-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of updated title report including Lender ISAOA/ATIMA clause, as is it missing.<br>03/03/2026; Received title with ISAOA/AITMA | <br> 03/03/2026; Received title with ISAOA/AITMA | <br> 03/03/2026; Received title with ISAOA/AITMA |  |  | QC Complete | 02/13/2026 | 03/03/2026 | 03/03/2026 | 02/13/2026 |
| 470 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 1CTIWDPA5GH-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated hazard insurance as mortgagee clause "ISAOA/ATIMA" is missing for the lender loss payee.<br>Resolved 2/10/2026 - Received insurance mortgage clause, condition resolved. | Resolved 2/10/2026 - Received insurance mortgage clause, condition resolved. | Resolved 2/10/2026 - Received insurance mortgage clause, condition resolved. |  |  | QC Complete | 01/28/2026 | 02/10/2026 | 02/10/2026 | 01/28/2026 |
| 477 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | 1NOY41MY0CP-J587LE2V | Resolved | 3 | R | \* Loan does not conform to program guidelines (Lvl R) | The DSCR does not comply with the short-term rental guidelines referenced in the approval and Loan Scorecard, which indicate that short-term rental guidelines were applied. Please confirm whether the subject property is intended to be used as a short-term rental. If not, confirm whether an alternative program was utilized that permits the use of the Form 1007 from the appraisal for income qualification.<br>Resolved 2/5/2026 - Received LOE for short term rental, condition resolved. | Resolved 2/5/2026 - Received LOE for short term rental, condition resolved. | Resolved 2/5/2026 - Received LOE for short term rental, condition resolved. |  |  | QC Complete | 01/28/2026 | 02/05/2026 | 02/05/2026 | 01/28/2026 |
| 477 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 2 | Credit | Credit | 1NOY41MY0CP-U0OKEMMW | Waived | 3 | W | \* Required Documentation Missing or Incomplete (Lvl W) | Guideline do not allow condotel with no bedrooms. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>Waived 2/6/2026 - Received Comp factor, condition waived. |  |  | FICO: 780 FICO exceeds the guideline requirement of 660.<br>LTV: 75.00% LTV is less than the guideline requirement of 80.00%. |  | QC Complete | 01/28/2026 |  |  | 01/27/2026 |
| 483 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | JBJJJE1REZG-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.052% Allowed 7.640% Overby +0.412%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/12/2026 | 03/12/2026 | 03/12/2026 | 03/11/2026 |
| 485 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | LIBYM4VPVBF-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provided an updated flood insurance with annual premium of $921.96 as per final closing disclosure.<br>Note Resolved - Received Final CD, however required flood insurance with updated annual premium, condition not resolved.<br>2/18/2026 Not resolved. CD provided shows flood insurance for $78.83 per month<br>03/04/2026: Corrected flood insurance provided with premium as $922.00 | 03/04/2026: Corrected flood insurance provided with premium as $922.00 | 03/04/2026: Corrected flood insurance provided with premium as $922.00 |  |  | QC Complete | 01/28/2026 | 03/04/2026 | 03/04/2026 | 01/28/2026 |
| 485 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | LIBYM4VPVBF-UDN50XOG | Resolved | 3 | R | \* Borrower Identity Missing (Lvl R) | The primary borrower's driving license expired on August XX, 2024. Provide a copy of an updated driving license.<br>Resolved 2/2/2026 - Received ID with valid expiry date, condition resolved. | Resolved 2/2/2026 - Received ID with valid expiry date, condition resolved. | Resolved 2/2/2026 - Received ID with valid expiry date, condition resolved. |  |  | QC Complete | 01/28/2026 | 02/02/2026 | 02/02/2026 | 01/27/2026 |
| 486 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Valuation | Valuation | OCYNIUFHMKP-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | There is a discrepancy in the project name: it appears as "XXXX" on the appraisal, while the condo questionnaire lists it as "XXXX."<br>03/09/2026: RESOLVED CORRECTED APPRAISAL PROVIDED | 03/09/2026: RESOLVED CORRECTED APPRAISAL PROVIDED | 03/09/2026: RESOLVED CORRECTED APPRAISAL PROVIDED |  |  | QC Complete | 02/24/2026 | 03/09/2026 | 03/09/2026 | 02/24/2026 |
| 494 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | DDCG2GNQN3E-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide an updated title report as mortgagee clause "ISAOA/ATIMA" is missing for the lender loss payee.<br>Resolved 2/4/2026 - Received LOE from client as Texas properties ISAOA not required, condition resolved. | Resolved 2/4/2026 - Received LOE from client as Texas properties ISAOA not required, condition resolved. | Resolved 2/4/2026 - Received LOE from client as Texas properties ISAOA not required, condition resolved. |  |  | QC Complete | 01/27/2026 | 02/04/2026 | 02/04/2026 | 01/27/2026 |
| 494 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 2 | Credit | Credit | DDCG2GNQN3E-U0OKEMMW | Waived | 3 | W | \* Required Documentation Missing or Incomplete (Lvl W) | The loan is not guideline compliant due to a 1×30×12 mortgage delinquency, exceeding the permitted 0×30×12. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>01/29/2026 - A copy of an exception approval letter has been received. |  |  | DSCR: 1.77 DSCR exceeds the guideline requirement of 1.00.<br>FICO: 725 FICO exceeds the guideline requirement of 680.<br>No late payments reported on any accounts on the credit report |  | QC Complete | 01/27/2026 |  |  | 01/27/2026 |
| 497 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | UW50FWOJFYX-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated Mortgage/DOT with the borrower xxxing reflected as: "XXXX<br>Resolved as the Mortgage/DOT in the file is correct. | Resolved as the Mortgage/DOT in the file is correct. | Resolved as the Mortgage/DOT in the file is correct. |  |  | QC Complete | 01/20/2026 | 02/04/2026 | 02/04/2026 | 01/20/2026 |
| 504 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | CKYGUQTAU5X-3L2978EM | Waived | 2 | W | \* Assets do not meet guidelines (Lvl W) | NSF event of 11 exceed the guideline requirement of maximum six NSF event in the any 12-month period.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 30.23% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 70.00% LTV is less than the guideline requirement of 85.00%.<br>FICO: 644 FICO exceeds the guideline requirement of 640. |  | QC Complete | 03/10/2026 |  |  | 03/10/2026 |
| 504 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 2 | Compliance | Compliance | CKYGUQTAU5X-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.224% Allowed 7.640% Overby+0.584%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/10/2026 | 03/10/2026 | 03/10/2026 | 03/10/2026 |
| 504 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 4 | 2 | Credit | Guidelines | CKYGUQTAU5X-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Condo with 55% commercial does not meet the guideline requirement of no more than 50% of the condo project may be commercial space.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 30.23% DTI is less than the maximum guideline requirement of 50.00%.<br>LTV: 70.00% LTV is less than the guideline requirement of 85.00%.<br>FICO: 644 FICO exceeds the guideline requirement of 640. |  | QC Complete | 03/10/2026 |  |  | 03/10/2026 |
| 507 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | AN03DH44DYN-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: Charged 8.240% Allowed 7.490% Overby +0.750%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 03/12/2026 | 03/12/2026 | 03/12/2026 | 03/12/2026 |
| 510 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 2Q5RW1FH15V-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Correction needed on the final 1003 for the property at XXXX, as it is currently marked as Primary and should be updated to Inxxxment.<br>Not resolved 1/14/2026 - Received initial 1003, Correction needed on the final 1003 for the property at XXXX, as it is currently marked as Primary and should be updated to Inxxxment, condition not resolved<br>02/19/2026: Final 1003 corrected with XXXX as intended occupancy as inxxxment. | 02/19/2026: Final 1003 corrected with XXXX as intended occupancy as inxxxment. | 02/19/2026: Final 1003 corrected with XXXX as intended occupancy as inxxxment. |  |  | QC Complete | 01/02/2026 | 02/19/2026 | 02/19/2026 | 12/30/2025 |
| 513 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | GQSQRNK5XYG-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of Jan-2025 bank statement for XXXX<br> 03/11/2026: Resolved. Received bank statement. | 03/11/2026: Resolved. Received bank statement. | 03/11/2026: Resolved. Received bank statement. |  |  | QC Complete | 02/24/2026 | 03/11/2026 | 03/11/2026 | 02/24/2026 |
| 513 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | GQSQRNK5XYG-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of HOI document for the property XXXX<br>03/02/2026: A statement was provided showing the payment is escrowed. | 03/02/2026: A statement was provided showing the payment is escrowed. | 03/02/2026: A statement was provided showing the payment is escrowed. |  |  | QC Complete | 02/24/2026 | 03/02/2026 | 03/02/2026 | 02/24/2026 |
| 517 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Doc Issue | HRBNU422THH-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance $XXXX does not cover the loan amount $XXXX. Provide a copy of the title updated supplement title report to cover the loan amount.<br>03/06/2026: Resolved. Received updated title with $XXXX policy amount. | <br> 03/06/2026: Resolved. Received updated title with $XXXX policy amount. | <br> 03/06/2026: Resolved. Received updated title withXXXX policy amount. |  |  | QC Complete | 03/02/2026 | 03/06/2026 | 03/06/2026 | 03/02/2026 |
| 518 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Credit | 5DJ1VBPYEAL-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide a copy of the supporting documentation confirming the public record release or current status of the $3,113.00 judgment reflected on the credit report as a "State Tax Warrant."<br>03/06/2026: Resolved. Received document showing tax warrant XXXX filed on XX/XX/XXXX in Oklahoma county has been released. | 03/06/2026: Resolved. Received document showing tax warrant XXXX filed on XX/XX/XXXX in XX county has been released. | 03/06/2026: Resolved. Received document showing tax warrant XXXX filed on XX/XX/XXXX in Oklahoma county has been released. |  |  | QC Complete | 02/27/2026 | 03/06/2026 | 03/06/2026 | 02/27/2026 |
| 518 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Not Covered/Exempt | 3 | 1 | Credit | Guidelines | 5DJ1VBPYEAL-J587LE2V | Resolved | 3 | R | \* Loan does not conform to program guidelines (Lvl R) | The loan amount is limited to $XX based on the maximum 70% LTV requirement due to the declining market indicated in the appraisal. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>03/09/2026: RESOLVED 3 COMPENSATING FACTORS PROVIDED 1. FICO OF 779 VS MIN FICO OF 720. 2. 0X30 ON MORTGAGES/HELOCS DATING BACK TO 9/2020. 3. DSCR 1.29 VS MIN DSCR 1.00. | 03/09/2026: RESOLVED 3 COMPENSATING FACTORS PROVIDED 1.00FICO OF 779 VS MIN FICO OF 720. 2. 0X30 ON MORTGAGES/HELOCS DATING BACK TO XX/XX/XXXX. 3. DSCR 1.29 VS MIN DSCR 1.00. | 03/09/2026: RESOLVED 3 COMPENSATING FACTORS PROVIDED 1.00FICO OF 779 VS MIN FICO OF 720. 2. 0X30 ON MORTGAGES/HELOCS DATING BACK TO 9/2020. 3. DSCR 1.29 VS MIN DSCR 1.00. | 03/09/2026: <br> 1. FICO OF 779 VS MIN FICO OF 720. 2. 0X30 ON MORTGAGES/HELOCS DATING BACK TO 9/2020. 3. DSCR 1.29 VS MIN DSCR 1.00. |  | QC Complete | 02/27/2026 | 03/09/2026 | 03/09/2026 | 02/27/2026 |
| 523 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 1 | Valuation | Valuation | 5RI25BAU3AG-U60VDKD3 | Resolved | 3 | R | \* Automated Appraisal Review Incomplete or Data not complete (Lvl R) | Missing Rental comparable# 3 photos in appraisal report.<br>Resolved as the rental comp photos not mandatory per client guidelines or xxx. | Resolved as the rental comp photos not mandatory per client guidelines or xxx. | Resolved as the rental comp photos not mandatory per client guidelines or xxx. |  |  | QC Complete | 01/27/2026 | 02/04/2026 | 02/04/2026 | 01/27/2026 |
| 529 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Credit | VQXX4O2TWOW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | The total verified assets of $82,002.73 are short of the 3 months guideline reserve requirement. Total verified assets from XX of $82,002.73 minus the cash to close of $79,821.44 = $2,181.29, which is $5549.31 short of the $7,730.61 reserves required.<br>Resolved 2/16/2026 - Received LOE as the not deposited gift is added with asset amount, condition resolved. | Resolved 2/16/2026 - Received LOE as the not deposited gift is added with asset amount, condition resolved. | Resolved 2/16/2026 - Received LOE as the not deposited gift is added with asset amount, condition resolved. |  |  | QC Complete | 01/20/2026 | 02/16/2026 | 02/16/2026 | 01/20/2026 |
| 529 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | VQXX4O2TWOW-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Exception to allow Non-Permanent Resident Alien with transitional status (C09 EAD)<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 743 FICO exceeds the guideline requirement of 720.<br>Residual Income : $4,888.13 monthly<br>DTI: 42.99% DTI is less than the maximum guideline requirement of 50.00%. |  | QC Complete | 01/20/2026 |  |  | 01/19/2026 |
| 532 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 2 | 2 | Credit | Guidelines | CDUMUS40EBE-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Lender guideline Maximum LTV is 75% ,loan file qualified with 80% LTV.<br>A copy of an exception approval letter is available in the loan file. |  |  | FICO: 760 FICO exceeds the guideline requirement of 700.<br>DTI: 5.60% DTI is less than the maximum guideline requirement of 50.00%.<br>|  | QC Complete | 03/12/2026 |  |  | 03/12/2026 |
| 537 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Doc Issue | HDNCBSIKAMF-HI5N7YPL | Resolved | 3 | R | \* Mortgage missing / unexecuted (Lvl R) | Provide a copy of deed of trust (DOT), as it is missing<br>03/02/2026: A copy of the GAP mortgage was provided. | 03/02/2026: A copy of the GAP mortgage was provided. | 03/02/2026: A copy of the GAP mortgage was provided. |  |  | QC Complete | 02/24/2026 | 03/02/2026 | 03/02/2026 | 02/23/2026 |
| 537 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 3 | 2 | Credit | Guidelines | HDNCBSIKAMF-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | The borrower has 117 NSFs on the business bank account, where guideline allows maximum of 6 NSF's.<br>A copy of an exception approval letter is available in the loan file. |  |  | DTI: 36.86% DTI is less than the maximum guideline requirement of 50.00%.<br>FICO: 713 FICO exceeds the guideline requirement of 700.<br>LTV: 69.54% LTV is less than the guideline requirement of 85.00%.<br>|  | QC Complete | 02/24/2026 |  |  | 02/23/2026 |
| 553 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | BRXACFBD2DU-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide updated supplemental report with amount of title insurance covering the loan amount $XXXX<br>03/09/2026 RESOLVED: UPDATED TITLE PROVIEDED | 03/09/2026 RESOLVED: UPDATED TITLE PROVIEDED | 03/09/2026 RESOLVED: UPDATED TITLE PROVIEDED |  |  | QC Complete | 03/03/2026 | 03/09/2026 | 03/09/2026 | 03/02/2026 |
| 557 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | LF3FQ2AMTRQ-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing proof of USA tax payment in the amount of $648.00/$7,776.00 reflecting in the loan scorecard (liabilities).<br>Resolved 2/2/2026 - Received USA tax payment, condition resolved. | Resolved 2/2/2026 - Received USA tax payment, condition resolved. | Resolved 2/2/2026 - Received USA tax payment, condition resolved. |  |  | QC Complete | 01/20/2026 | 02/02/2026 | 02/02/2026 | 01/20/2026 |
| 566 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 3SJVC1B3AUK-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | I-797A notice of action document expired on 01/xx/2026. Provide unexpired immigration document covering the closing date XX/XX/XXX<br>03/03/2026; Received new I-797A with expration date of 01/21/2028 | 03/03/2026; Received new I-797A with expration date of 01/21/2028 | 03/03/2026; Received new I-797A with expration date of 01/21/2028 |  |  | QC Complete | 02/10/2026 | 03/03/2026 | 03/03/2026 | 02/10/2026 |
| 566 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Credit | 3SJVC1B3AUK-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide lease agreement for XXXX to verify the payment $279.00.<br>Resolved 2/13/2026 - Received documents for solar lease, condition resolved. | Resolved 2/13/2026 - Received documents for solar lease, condition resolved. | Resolved 2/13/2026 - Received documents for solar lease, condition resolved. |  |  | QC Complete | 02/10/2026 | 02/13/2026 | 02/13/2026 | 02/10/2026 |
| 566 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | 3SJVC1B3AUK-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount $XXXX of preliminary title insurance is not covering the loan amount $XXXX. Provide a copy of supplemental title insurance which covers the loan amount'.<br>Resolved 2/13/2026 - Received Title insured amount, condition resolved. | Resolved 2/13/2026 - Received Title insured amount, condition resolved. | Resolved 2/13/2026 - Received Title insured amount, condition resolved. |  |  | QC Complete | 02/10/2026 | 02/13/2026 | 02/13/2026 | 02/10/2026 |
| 576 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Guidelines | WZ1JYSVFW13-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Use XXXX alone. Borrower does not have a 12 month Short Term Rental history as required by guidelines. Full exception approval is required. The exception approval email is incomplete and is missing comp factors.<br>A copy of an exception approval letter is available in the loan file. |  |  | Reserves: The 33 months of available reserves are more than the guideline requirement of 6 months.<br>DSCR: 1.30 DSCR exceeds the guideline requirement of 1.00. |  | QC Complete | 01/28/2026 |  |  | 01/27/2026 |
| 576 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Credit | WZ1JYSVFW13-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide an updated title report including the mortgagee clause "ISAOA/ATIMA" for the lender loss payee.<br>Resolved 2/9/2026 - Received title report with clause, condition resolved. | Resolved 2/9/2026 - Received title report with clause, condition resolved. | Resolved 2/9/2026 - Received title report with clause, condition resolved. |  |  | QC Complete | 01/28/2026 | 02/09/2026 | 02/09/2026 | 01/27/2026 |
| 576 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Not Covered/Exempt | 3 | 2 | Credit | Credit | WZ1JYSVFW13-EDXGB1F3 | Resolved | 3 | R | \* Required Documentation Missing (Lvl R) | Provide supporting documentation to verify the XXXX judgment (XXXX) reflected in the title report.<br>Resolved 2/4/2026 - Received LOE as the child support document is not related to borrower, condition resolved. | Resolved 2/4/2026 - Received LOE as the child support document is not related to borrower, condition resolved. | Resolved 2/4/2026 - Received LOE as the child support document is not related to borrower, condition resolved. |  |  | QC Complete | 01/28/2026 | 02/04/2026 | 02/04/2026 | 01/28/2026 |
| 578 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Credit | Credit | QELOOZGPSN1-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of the most recent bank statement, dated January 2026, for both account number "XXXX<br>03/11/2026: Resolved. Received a letter of explanation that the accounts are quarterly and the one poroved is the most recent statement. | 03/11/2026: Resolved. Received a letter of explanation that the accounts are quarterly and the one poroved is the most recent statement. | 03/11/2026: Resolved. Received a letter of explanation that the accounts are quarterly and the one poroved is the most recent statement. |  |  | QC Complete | 02/26/2026 | 03/11/2026 | 03/11/2026 | 02/26/2026 |
| 579 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Non-QM/Compliant | 3 | 1 | Compliance | Compliance | MNYLLPFVZXI-L2NRUFUV | Resolved | 3 | R | \* Intent to Proceed Missing (Lvl R) | Missing Intent To Proceed.<br>Resolved 02/02/2026: Received Intent to proceed document dated 01/05/2026 and exception is cleared. | Resolved 02/02/2026: Received Intent to proceed document dated 01/05/2026 and exception is cleared. | Resolved 02/02/2026: Received Intent to proceed document dated 01/05/2026 and exception is cleared. |  |  | QC Complete | 01/29/2026 | 02/02/2026 | 02/02/2026 | 01/29/2026 |
| 582 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 4 | 1 | Credit | LTV/CLTV | FT5DHP2I12C-I1CDNYEZ | Resolved | 4 | R | \* CLTV exceeds guidelines (Lvl R) | LTV of 93% exceeds the maximum allowable LTV guideline of 80% and therefore does not meet eligibility requirements.<br>02/17/2026 Resolved - Resolved as the updated appraisal was used with XXXX and the LTV is at 80%. | 02/17/2026 Resolved - Resolved as the updated appraisal was used with XXXX and the LTV is at 80%. | 02/17/2026 Resolved - Resolved as the updated appraisal was used with XXXX and the LTV is at 80%. |  |  | QC Complete | 03/27/2026 | 03/27/2026 | 03/27/2026 | 03/27/2026 |
| 582 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Doc Issue | FT5DHP2I12C-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | The amount of title insurance of $XXXX on the Title Commitment is less than the loan amount $XXXX<br>03/02/2026 Updated title with $XXXX policy amount provided | 03/02/2026 Updated title with $XXXX policy amount provided | 03/02/2026 Updated title with $XXXX policy amount provided |  |  | QC Complete | 03/27/2026 | 03/27/2026 | 03/27/2026 | 02/12/2026 |
| 584 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Cash Out | Non-QM/Compliant | 3 | 1 | Credit | Doc Issue | RMSMSPWLHTI-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Provide a copy of the title supplement report to cover the loan amount, The amount of title insurance $XXXX does not cover the loan amount $XXXX<br>Resolved 2/12/2026 - Received title insured amount, condition resolved. | Resolved 2/12/2026 - Received title insured amount, condition resolved. | Resolved 2/12/2026 - Received title insured amount, condition resolved. |  |  | QC Complete | 10/28/2025 | 02/12/2026 | 02/12/2026 | 10/24/2025 |
| 610 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Valuation | Property | LA05XSOQYOV-5COCFHAP | Resolved | 3 | R | \* Completed "Subject To" w/o Compltn Cert in File (Lvl R) | Provide a copy of 1004D as it is missing.<br> 03/10/2026: Resolved. LOE signed by borrower and pictures of repairs provided. | 03/10/2026: Resolved. LOE signed by borrower and pictures of repairs provided. | 03/10/2026: Resolved. LOE signed by borrower and pictures of repairs provided. |  |  | QC Complete | 03/02/2026 | 03/10/2026 | 03/10/2026 | 03/02/2026 |
| 617 | XXXX | XXXX |  | XXXX | XXXX | XX/XX/XXXX | Purchase | Not Covered/Exempt | 3 | 1 | Credit | Credit | 3BS0ZK2RNM3-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Provide a copy of (tax, insurance, or HOA fee) for the property at XXXX in the amount of $88.00.<br>03/03/2026: Received loe; on XXXX loans, we don't obtain additional housing expenses on retained properties, since there is no DTI and it does not ultimately matter since we only take reserves based off subject property full PITIA payments. | 03/03/2026: Received loe; on xxx loans, we don't obtain additional housing expenses on retained properties, since there is no DTI and it does not ultimately matter since we only take reserves based off subject property full PITIA payments. | 03/03/2026: Received loe; on xxx loans, we don't obtain additional housing expenses on retained properties, since there is no DTI and it does not ultimately matter since we only take reserves based off subject property full PITIA payments. |  |  | QC Complete | 02/10/2026 | 03/03/2026 | 03/03/2026 | 02/10/2026 |

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## Exhibit 99.2

**Exhibit 99.2**

![A picture containing text, clipart Description automatically generated](ex99-2_001.jpg)

NRMLT 2026-NQM5<br>Rithm Capital Corp.<br>

Opus Capital Markets Consultants, LLC

5718 Westheimer Road - Suite 1000\| Houston, TX 77057\| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**April 06, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**Rithm Capital Corp.**

The report summarizes the results of a due diligence review performed on a pool of 353 loans provided by Rithm Capital Corp. ("Customer") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains two hundred five (205) Non-QM loans, one (1) loan QC Safe Harbor APOR and one hundred forty seven (147) ATR/QM Exempt loans, of which one hundred seven (107) are DSCR loans and forty (40) are Business Purpose loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In
lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements
of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant
to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter
at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements
for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable
sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the
appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination
and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the
Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:<br>

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or final title
policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security
instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and
duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm
that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed.
If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying
the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the
recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian
verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the
loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1.
Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;· Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending
Disclosure. Verify the completeness of required data and that all required signatures are present.

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan transaction,
confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at
the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;· Closing Disclosure: If required verify the presence of the current Closing Disclosure
(CD) at the time of origination.

**c) Credit Docs**

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial and final
loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e.
form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower. Confirm that
the credit report was pulled within the timing requirements allowable per the
Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on the borrower(s)
credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation are required by the Client provided
underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines,
verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related documentation
required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required by the Client
provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal and
other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard
and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet
the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material" <sup>1</sup> disclosure
 requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the
 Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C.
 § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including
 the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R.
 §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure
 Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§
 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID")
 Rule, TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended from time
 to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the transaction
date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from the rescission
requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor
and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that
is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report
outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal
and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to
determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days
of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were
populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding
Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the
initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received
the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance
 with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"),
12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule; TRID will be reviewed
in accordance with the SFA TRID Grid 4.0, as amended from time to time.

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

4. Confirmation that one of the following are in the loan file, per the
Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan
Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer
Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability to Repay
underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R.
1026.43(e) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.)
and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12
C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions
of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented by
Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA and the Equal Credit
Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by Regulation Z,
12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented by Regulation
Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable state,
county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located in an area
identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood
hazards is subject to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall review
the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not limited to
a business purpose certification.

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered final
as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified by the closing
agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent) or stamped
certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed
by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date
issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain
one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered
 delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier
 receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered
as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred
to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid
to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that
a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document
showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable
limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied by
a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews applicable
loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon
the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under
the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings
do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify
if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i)
or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination
of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in
verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of
the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021,
if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under
the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied
(i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency
eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine
whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature
or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was
originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan
is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable
average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective
March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will
 focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of
the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will
rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory or
fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and
certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and
only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's
conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;· Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Servicing Transfer Disclosure form in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three
general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit
(for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Home Loan Tool Kit is provided within three general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Affiliated Business Disclosure in file in the event the
lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure provided within three general business days
of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender
will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third-party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45
days after settlement

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

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the lender has provided the borrower a disclosure of the right to receive a
copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate
pursuant to 12 CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided (delivered) copies of appraisals and all other
written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three
(3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days
prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;· For a borrower that has waived the 3-business day disclosure requirement, confirm that
the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment
that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies
of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided the borrower the risk-based pricing notice (as
required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender
has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval
decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was
provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;· Confirm that the lender has provided a copy of the disclosure of credit score and the
Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

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

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746
et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq.
(as originally enacted and as amended by Senate Bill 949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01
et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed
before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· 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).

&nbsp;&nbsp;&nbsp;&nbsp;· Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§
137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances
§ 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050
(2005).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kansas Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for
loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative
Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September
27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12-
409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· 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.
 §§ <u>09.03.06.01</u> et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from
time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts
Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00
et.seq., as amended from time to time.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F.
2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly
Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified
at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626.,
as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and
as codified in various sections of the Ohio Code.

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

&nbsp;&nbsp;&nbsp;&nbsp;· City
of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various
sections of Title 14A of the Oklahoma Consumer Credit Code.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended
by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33,
Ordinance No. 245.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code
Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003
to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1,
2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· Washington House Bill 2770, Mortgage Lending Ownership

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

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as
implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is an extension of credit primarily for business, commercial or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;· Loan is in a subordinate position to a senior lien secured by the same residential improved
real estate or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;· Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;· Signatures: Validate signature consistency across documents. To the extent imaged or
hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To the extent
imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency of
data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained in the
loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of all material
conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect
to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from
the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;· Property is described in average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments.

&nbsp;&nbsp;&nbsp;&nbsp;· Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing valuations
for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser
under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal
or State law.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus makes no representation or warranty as to the value of the mortgaged property,
notwithstanding that Opus may have reviewed the valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not an Appraisal Management Company ("AMC") and therefore does not
opine on the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;· Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA")
or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning
property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage
loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance with
the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with
the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10% of original
appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10% of original
appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall within 10%
of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material
documentation.

**Opus Compliance Grades**

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations
reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory
compliance but such issues do not represent risks to the enforceability
of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations
reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· SSNs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property (e.g.
neighborhood, body of water, schools, major highways)

**DSCR Loan Review** 

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting
Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity
requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm management experience
meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents
are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents
are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines
per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements
are eligible per

the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation
of DSCR

**Title Insurance Requirements are met per Guidelines only as follows** 

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage
amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan
file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report
was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s),
verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting
guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify
the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting
guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third party
valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard and flood insurance
on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of
the Client provided underwriting guidelines.

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

**<u>Pool Details</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Purpose** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of<br> Pool |
| &nbsp;&nbsp;Cash out Refi | &nbsp;&nbsp;85 | &nbsp;&nbsp;24.08% |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;209 | &nbsp;&nbsp;59.21% |
| &nbsp;&nbsp;Rate / Term Refi | &nbsp;&nbsp;59 | &nbsp;&nbsp;16.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**353** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Property Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;169 | &nbsp;&nbsp;47.88% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;39 | &nbsp;&nbsp;11.05% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;69 | &nbsp;&nbsp;19.55% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.12% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;38 | &nbsp;&nbsp;10.76% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.12% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**353** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Occupancy** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;189 | &nbsp;&nbsp;53.54% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;11 | &nbsp;&nbsp;3.12% |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;153 | &nbsp;&nbsp;43.34% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**353** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** | &nbsp;&nbsp;**Product Type** |
| &nbsp;&nbsp;Type | &nbsp;&nbsp;Count | &nbsp;&nbsp;% of Pool |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;352 | &nbsp;&nbsp;99.72% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**353** | &nbsp;&nbsp;**100.00%** |

---

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;98.87% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;77 | &nbsp;&nbsp;78.19% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;99.15% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;44 | &nbsp;&nbsp;87.54% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;97.45% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;97.45% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;353 |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were nine (9) obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated April 06, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**Kroll and Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of Loans** | <br>&nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;343 | &nbsp;&nbsp;97.17% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.83% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**Kroll and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;349 | &nbsp;&nbsp;98.87% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.13% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**Kroll and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;347 | &nbsp;&nbsp;98.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.70% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**Kroll and Fitch NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;353 | &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% |

---

**<u>Loans Reviewed (353)</u>**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;214277410 | &nbsp;&nbsp;216330217 | &nbsp;&nbsp;9707801198 | &nbsp;&nbsp;9721551977 | &nbsp;&nbsp;9735863905 | &nbsp;&nbsp;9752952516 | &nbsp;&nbsp;9770478668 | &nbsp;&nbsp;9785891939 |
| &nbsp;&nbsp;215938267 | &nbsp;&nbsp;216337659 | &nbsp;&nbsp;9708019782 | &nbsp;&nbsp;9722494482 | &nbsp;&nbsp;9737474420 | &nbsp;&nbsp;9753078956 | &nbsp;&nbsp;9770688589 | &nbsp;&nbsp;9785902470 |
| &nbsp;&nbsp;216053496 | &nbsp;&nbsp;216343715 | &nbsp;&nbsp;9708287298 | &nbsp;&nbsp;9722705531 | &nbsp;&nbsp;9737536558 | &nbsp;&nbsp;9753170670 | &nbsp;&nbsp;9771231611 | &nbsp;&nbsp;9786230046 |
| &nbsp;&nbsp;216057265 | &nbsp;&nbsp;216344440 | &nbsp;&nbsp;9708731857 | &nbsp;&nbsp;9722835114 | &nbsp;&nbsp;9738197301 | &nbsp;&nbsp;9753210591 | &nbsp;&nbsp;9771433969 | &nbsp;&nbsp;9786452988 |
| &nbsp;&nbsp;216062463 | &nbsp;&nbsp;216353060 | &nbsp;&nbsp;9709369343 | &nbsp;&nbsp;9723626348 | &nbsp;&nbsp;9738225516 | &nbsp;&nbsp;9753729632 | &nbsp;&nbsp;9771562452 | &nbsp;&nbsp;9786825761 |
| &nbsp;&nbsp;216082115 | &nbsp;&nbsp;216359380 | &nbsp;&nbsp;9709428669 | &nbsp;&nbsp;9723721826 | &nbsp;&nbsp;9738394502 | &nbsp;&nbsp;9754110337 | &nbsp;&nbsp;9771727261 | &nbsp;&nbsp;9787504373 |
| &nbsp;&nbsp;216084376 | &nbsp;&nbsp;216365239 | &nbsp;&nbsp;9709617212 | &nbsp;&nbsp;9723879251 | &nbsp;&nbsp;9739343284 | &nbsp;&nbsp;9754292341 | &nbsp;&nbsp;9771917888 | &nbsp;&nbsp;9787610485 |
| &nbsp;&nbsp;216114439 | &nbsp;&nbsp;216371252 | &nbsp;&nbsp;9709637327 | &nbsp;&nbsp;9724330767 | &nbsp;&nbsp;9739349034 | &nbsp;&nbsp;9754808815 | &nbsp;&nbsp;9772103140 | &nbsp;&nbsp;9787610717 |
| &nbsp;&nbsp;216129189 | &nbsp;&nbsp;216375907 | &nbsp;&nbsp;9710128480 | &nbsp;&nbsp;9724448189 | &nbsp;&nbsp;9739679059 | &nbsp;&nbsp;9755451730 | &nbsp;&nbsp;9772445996 | &nbsp;&nbsp;9787776427 |
| &nbsp;&nbsp;216135236 | &nbsp;&nbsp;216378141 | &nbsp;&nbsp;9710210643 | &nbsp;&nbsp;9724661062 | &nbsp;&nbsp;9740027843 | &nbsp;&nbsp;9755613560 | &nbsp;&nbsp;9773259321 | &nbsp;&nbsp;9788236298 |
| &nbsp;&nbsp;216149302 | &nbsp;&nbsp;216382390 | &nbsp;&nbsp;9710246076 | &nbsp;&nbsp;9724984217 | &nbsp;&nbsp;9740150397 | &nbsp;&nbsp;9756995537 | &nbsp;&nbsp;9773755229 | &nbsp;&nbsp;9788295005 |
| &nbsp;&nbsp;216166595 | &nbsp;&nbsp;216382408 | &nbsp;&nbsp;9710419970 | &nbsp;&nbsp;9725133277 | &nbsp;&nbsp;9740444238 | &nbsp;&nbsp;9757157301 | &nbsp;&nbsp;9774575204 | &nbsp;&nbsp;9788433994 |
| &nbsp;&nbsp;216169847 | &nbsp;&nbsp;216382614 | &nbsp;&nbsp;9710839284 | &nbsp;&nbsp;9725268982 | &nbsp;&nbsp;9740806956 | &nbsp;&nbsp;9757273199 | &nbsp;&nbsp;9775648919 | &nbsp;&nbsp;9788533397 |
| &nbsp;&nbsp;216169961 | &nbsp;&nbsp;216383349 | &nbsp;&nbsp;9711146895 | &nbsp;&nbsp;9725396361 | &nbsp;&nbsp;9740947768 | &nbsp;&nbsp;9757383691 | &nbsp;&nbsp;9775996599 | &nbsp;&nbsp;9788788785 |
| &nbsp;&nbsp;216174565 | &nbsp;&nbsp;216383620 | &nbsp;&nbsp;9711184243 | &nbsp;&nbsp;9725567128 | &nbsp;&nbsp;9741013586 | &nbsp;&nbsp;9757689220 | &nbsp;&nbsp;9776343619 | &nbsp;&nbsp;9788916915 |
| &nbsp;&nbsp;216176859 | &nbsp;&nbsp;216383976 | &nbsp;&nbsp;9711344151 | &nbsp;&nbsp;9725672282 | &nbsp;&nbsp;9741493770 | &nbsp;&nbsp;9758052055 | &nbsp;&nbsp;9777021354 | &nbsp;&nbsp;9790610076 |
| &nbsp;&nbsp;216201954 | &nbsp;&nbsp;216398933 | &nbsp;&nbsp;9711471848 | &nbsp;&nbsp;9726057020 | &nbsp;&nbsp;9741859202 | &nbsp;&nbsp;9758233697 | &nbsp;&nbsp;9777069924 | &nbsp;&nbsp;9790645312 |
| &nbsp;&nbsp;216207274 | &nbsp;&nbsp;216407627 | &nbsp;&nbsp;9711600305 | &nbsp;&nbsp;9726145296 | &nbsp;&nbsp;9742372684 | &nbsp;&nbsp;9758285234 | &nbsp;&nbsp;9777085144 | &nbsp;&nbsp;9791040943 |
| &nbsp;&nbsp;216215236 | &nbsp;&nbsp;216411330 | &nbsp;&nbsp;9711612581 | &nbsp;&nbsp;9726263156 | &nbsp;&nbsp;9742389001 | &nbsp;&nbsp;9758305677 | &nbsp;&nbsp;9777344087 | &nbsp;&nbsp;9791323075 |
| &nbsp;&nbsp;216225953 | &nbsp;&nbsp;216413245 | &nbsp;&nbsp;9711666348 | &nbsp;&nbsp;9726410328 | &nbsp;&nbsp;9742544811 | &nbsp;&nbsp;9758438825 | &nbsp;&nbsp;9778057258 | &nbsp;&nbsp;9791580245 |
| &nbsp;&nbsp;216228031 | &nbsp;&nbsp;216415877 | &nbsp;&nbsp;9711810482 | &nbsp;&nbsp;9726563811 | &nbsp;&nbsp;9743405376 | &nbsp;&nbsp;9758519624 | &nbsp;&nbsp;9778265216 | &nbsp;&nbsp;9791650675 |
| &nbsp;&nbsp;216230987 | &nbsp;&nbsp;216417709 | &nbsp;&nbsp;9712571554 | &nbsp;&nbsp;9729063355 | &nbsp;&nbsp;9743565815 | &nbsp;&nbsp;9758624994 | &nbsp;&nbsp;9778942368 | &nbsp;&nbsp;9791747273 |
| &nbsp;&nbsp;216232025 | &nbsp;&nbsp;216421362 | &nbsp;&nbsp;9713153915 | &nbsp;&nbsp;9729438490 | &nbsp;&nbsp;9743748221 | &nbsp;&nbsp;9759026025 | &nbsp;&nbsp;9779184457 | &nbsp;&nbsp;9792135239 |
| &nbsp;&nbsp;216238691 | &nbsp;&nbsp;216427617 | &nbsp;&nbsp;9713274828 | &nbsp;&nbsp;9730049302 | &nbsp;&nbsp;9744815698 | &nbsp;&nbsp;9759043202 | &nbsp;&nbsp;9779204966 | &nbsp;&nbsp;9792278880 |
| &nbsp;&nbsp;216239012 | &nbsp;&nbsp;216428706 | &nbsp;&nbsp;9714035178 | &nbsp;&nbsp;9730332625 | &nbsp;&nbsp;9744906331 | &nbsp;&nbsp;9760087040 | &nbsp;&nbsp;9779399931 | &nbsp;&nbsp;9792412992 |
| &nbsp;&nbsp;216249102 | &nbsp;&nbsp;216430108 | &nbsp;&nbsp;9714067098 | &nbsp;&nbsp;9730512317 | &nbsp;&nbsp;9745106246 | &nbsp;&nbsp;9760262262 | &nbsp;&nbsp;9779953422 | &nbsp;&nbsp;9793318636 |
| &nbsp;&nbsp;216253740 | &nbsp;&nbsp;216436006 | &nbsp;&nbsp;9714419562 | &nbsp;&nbsp;9730808517 | &nbsp;&nbsp;9745935933 | &nbsp;&nbsp;9761449504 | &nbsp;&nbsp;9780784667 | &nbsp;&nbsp;9793661977 |
| &nbsp;&nbsp;216255042 | &nbsp;&nbsp;216470559 | &nbsp;&nbsp;9714817302 | &nbsp;&nbsp;9731057346 | &nbsp;&nbsp;9746381988 | &nbsp;&nbsp;9761548487 | &nbsp;&nbsp;9780831252 | &nbsp;&nbsp;9794671140 |
| &nbsp;&nbsp;216261420 | &nbsp;&nbsp;216470567 | &nbsp;&nbsp;9714869311 | &nbsp;&nbsp;9731770138 | &nbsp;&nbsp;9746677088 | &nbsp;&nbsp;9762442243 | &nbsp;&nbsp;9780925047 | &nbsp;&nbsp;9795990028 |
| &nbsp;&nbsp;216273086 | &nbsp;&nbsp;216471003 | &nbsp;&nbsp;9715073509 | &nbsp;&nbsp;9732234571 | &nbsp;&nbsp;9746878249 | &nbsp;&nbsp;9762445634 | &nbsp;&nbsp;9781285136 | &nbsp;&nbsp;9796445592 |
| &nbsp;&nbsp;216274720 | &nbsp;&nbsp;216506006 | &nbsp;&nbsp;9715083110 | &nbsp;&nbsp;9732331898 | &nbsp;&nbsp;9747738020 | &nbsp;&nbsp;9762617646 | &nbsp;&nbsp;9781392304 | &nbsp;&nbsp;9796696111 |
| &nbsp;&nbsp;216288357 | &nbsp;&nbsp;216555268 | &nbsp;&nbsp;9715611837 | &nbsp;&nbsp;9732770632 | &nbsp;&nbsp;9747873140 | &nbsp;&nbsp;9763164622 | &nbsp;&nbsp;9781865390 | &nbsp;&nbsp;9797042000 |
| &nbsp;&nbsp;216297374 | &nbsp;&nbsp;9704871582 | &nbsp;&nbsp;9715709177 | &nbsp;&nbsp;9733503214 | &nbsp;&nbsp;9747917954 | &nbsp;&nbsp;9763936060 | &nbsp;&nbsp;9782003900 | &nbsp;&nbsp;9797327492 |
| &nbsp;&nbsp;216299057 | &nbsp;&nbsp;9704878413 | &nbsp;&nbsp;9716048344 | &nbsp;&nbsp;9733744859 | &nbsp;&nbsp;9748331072 | &nbsp;&nbsp;9764175650 | &nbsp;&nbsp;9782230552 | &nbsp;&nbsp;9797545440 |
| &nbsp;&nbsp;216303842 | &nbsp;&nbsp;9705162197 | &nbsp;&nbsp;9716393617 | &nbsp;&nbsp;9733949136 | &nbsp;&nbsp;9749042579 | &nbsp;&nbsp;9764949765 | &nbsp;&nbsp;9782283676 | &nbsp;&nbsp;9797769511 |
| &nbsp;&nbsp;216304501 | &nbsp;&nbsp;9705489996 | &nbsp;&nbsp;9716983938 | &nbsp;&nbsp;9734001960 | &nbsp;&nbsp;9750024029 | &nbsp;&nbsp;9765130985 | &nbsp;&nbsp;9782334909 | &nbsp;&nbsp;9798572757 |
| &nbsp;&nbsp;216312884 | &nbsp;&nbsp;9705624329 | &nbsp;&nbsp;9717850060 | &nbsp;&nbsp;9734121297 | &nbsp;&nbsp;9750548720 | &nbsp;&nbsp;9766925748 | &nbsp;&nbsp;9782644174 | &nbsp;&nbsp;9799146114 |
| &nbsp;&nbsp;216314856 | &nbsp;&nbsp;9705769876 | &nbsp;&nbsp;9718389126 | &nbsp;&nbsp;9734211494 | &nbsp;&nbsp;9750997729 | &nbsp;&nbsp;9767229702 | &nbsp;&nbsp;9782816855 | &nbsp;&nbsp;9799609749 |
| &nbsp;&nbsp;216317479 | &nbsp;&nbsp;9705932342 | &nbsp;&nbsp;9718734594 | &nbsp;&nbsp;9734446009 | &nbsp;&nbsp;9751230278 | &nbsp;&nbsp;9767436125 | &nbsp;&nbsp;9783507255 |  |
| &nbsp;&nbsp;216317628 | &nbsp;&nbsp;9706310050 | &nbsp;&nbsp;9718919138 | &nbsp;&nbsp;9734463608 | &nbsp;&nbsp;9751697815 | &nbsp;&nbsp;9767902951 | &nbsp;&nbsp;9783517080 |  |
| &nbsp;&nbsp;216320614 | &nbsp;&nbsp;9706864569 | &nbsp;&nbsp;9719139108 | &nbsp;&nbsp;9734539084 | &nbsp;&nbsp;9751863094 | &nbsp;&nbsp;9767958581 | &nbsp;&nbsp;9783868905 |  |
| &nbsp;&nbsp;216320762 | &nbsp;&nbsp;9707001682 | &nbsp;&nbsp;9720389726 | &nbsp;&nbsp;9734708531 | &nbsp;&nbsp;9751912677 | &nbsp;&nbsp;9768746308 | &nbsp;&nbsp;9784612419 |  |
| &nbsp;&nbsp;216322685 | &nbsp;&nbsp;9707016953 | &nbsp;&nbsp;9720459081 | &nbsp;&nbsp;9735408180 | &nbsp;&nbsp;9752117516 | &nbsp;&nbsp;9769368045 | &nbsp;&nbsp;9784652308 |  |
| &nbsp;&nbsp;216325795 | &nbsp;&nbsp;9707037462 | &nbsp;&nbsp;9720679175 | &nbsp;&nbsp;9735750342 | &nbsp;&nbsp;9752569435 | &nbsp;&nbsp;9769459604 | &nbsp;&nbsp;9785482275 |  |
| &nbsp;&nbsp;216329342 | &nbsp;&nbsp;9707546017 | &nbsp;&nbsp;9721032168 | &nbsp;&nbsp;9735784952 | &nbsp;&nbsp;9752862152 | &nbsp;&nbsp;9770200518 | &nbsp;&nbsp;9785685893 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

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| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 1 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-XX-2025 |
| 4 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 5 | XX |  |  | XX | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.47 | 79.47 | XX | XX | -.0010 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0010 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 10-XX-2025 |
| 7 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 10-XX-2025 |
| 9 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.53 | 68.53 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 11 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 10-XX-2025 |
| 13 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.37 | 79.37 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 10-XX-2025 |
| 15 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | 10-XX-2025 |
| 18 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20 | XX |  |  | XX | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 21 | XX |  |  | XX | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 55.92 | 55.92 | XX | XX | -.0612 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0612 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 22 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 63.5 | 63.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 23 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 25 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 26 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 27 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 47.01 | 47.01 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 11-XX-2025 |
| 28 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 29 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.43 | 74.43 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-XX-2025 |
| 30 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | XX | xxx | .0000 | 10-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 31 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 32.33 | 32.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-XX-2025 |
| 32 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.99 | 74.99 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-XX-2025 |
| 33 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 66.42 | 66.42 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 34 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 37 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 38 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 40 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 76.0 | 76.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 360 | 12-XX-2025 |
| 42 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-XX-2025 |
| 43 | XX |  |  | XX | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 44 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 55.0 | 55.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-XX-2025 |
| 47 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 63.17 | 63.17 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 48 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 50 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.5 | 65.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 51 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.6 | 79.6 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 52 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-XX-2025 |
| 53 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Reasonable | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 54 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 60.79 | 60.79 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 55 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 51.48 | 51.48 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-XX-2025 |
| 57 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 58 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 11-XX-2025 |
| 59 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 61 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 62 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 63.31 | 63.31 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.63 | 73.63 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 66 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 12-XX-2025 |
| 68 | XX |  |  | XX | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 69 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 70 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 48.56 | 48.56 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 74 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.81 | 70.81 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 75 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 56.86 | 56.86 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 77 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 11-XX-2025 |
| 80 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 58.33 | 58.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 81 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-XX-2025 |
| 82 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | 12-XX-2025 |
| 83 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 84 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .0118 | 1073 Individual Condo Report |  |  |  |  | XX | xxx | .0118 | 12-XX-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 85 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 61.29 | 61.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 12-XX-2025 |
| 88 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 89.95 | 89.95 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 90 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 93 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | .0413 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .0413 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 12-XX-2025 |
| 95 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 96 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 97 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 35.83 | 35.83 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-XX-2025 |
| 99 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 102 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 104 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 106 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 12-XX-2025 |
| 108 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 58.06 | 58.06 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 999 | 11-XX-2025 |
| 116 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 117 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 118 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 121 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 127 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 239 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 240 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 241 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 242 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 15.08 | 15.08 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 243 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 Eligible |  |  |
| 244 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 26.81 | 26.81 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 245 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 246 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 248 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 249 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 54.58 | 54.58 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-XX-2025 |
| 250 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 251 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 01-XX-2026 |
| 252 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-XX-2025 |
| 253 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-XX-2025 |
| 254 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 256 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 257 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0014 | 1004 URAR |  |  |  |  | XX | xxx | -.0014 | 11-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 259 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 53.59 | 53.59 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 09-XX-2025 |
| 260 | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.95 | 70.95 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-XX-2026 |
| 261 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 74.25 | 74.25 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 01-XX-2026 |
| 262 | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 64.86 | 64.86 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-XX-2026 |
| 264 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 69.0 | 69.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-XX-2025 |
| 265 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 266 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 50.73 | 50.73 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 267 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 268 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 78.11 | 78.11 | XX | XX | -.0237 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0237 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-XX-2025 |
| 271 | XX |  |  | XX | XX | 0 | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 25.0 | 25.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 272 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 273 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 274 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-XX-2025 Eligible |  |  |
| 275 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XX | xxx | .0000 | 10-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 12-XX-2025 |
| 276 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 54.29 | 54.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 277 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 32.0 | 32.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 01-XX-2026 |
| 278 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-XX-2026 |
| 280 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 44.5 | 44.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 283 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.3 | 73.3 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 284 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 286 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | XX | -.0133 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0133 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 287 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 289 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | -.0274 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0274 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 291 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-XX-2026 |
| 292 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 294 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 01-XX-2026 |
| 295 | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 296 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .0556 | 1004 URAR |  |  |  |  | XX | xxx | .0556 | 12-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 297 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 298 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 78.64 | 78.64 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 02-XX-2026 |
| 300 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 83.33 | 83.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 12-XX-2025 |
| 302 | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 306 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 59.56 | 59.56 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 01-XX-2026 |
| 307 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 308 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 309 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 310 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 02-XX-2026 |
| 311 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-XX-2025 |
| 312 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 41.77 | 41.77 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 11-XX-2025 |
| 313 | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 82.82 | 82.82 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 314 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 79.36 | 79.36 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 318 | XX |  |  | XX | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 319 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 320 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 38.11 | 38.11 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 321 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 68.06 | 68.06 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 323 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 53.62 | 53.62 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 324 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 54.04 | 54.04 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 325 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 326 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 327 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 328 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 69.87 | 69.87 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 329 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 330 | XX |  |  | XX | XX | 0 | 0 | XX | 01-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 331 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 11-XX-2025 |
| 332 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 47.06 | 47.06 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 333 | XX |  |  | XX | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 38.75 | 38.75 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 334 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 336 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.0 | 50.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 12-XX-2025 |
| 338 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 01-XX-2026 |
| 339 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 340 | XX |  |  | XX | XX | 0 | xxx | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | XX | xxx | -.1192 | 09-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  | XX | XX | -.1346 | XX | High Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 Eligible | 1 | 11-XX-2025 |
| 341 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-XX-2025 |
| 346 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 347 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 77.78 | 77.78 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-XX-2025 |
| 348 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 349 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 35.0 | 35.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 350 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 12-XX-2025 |
| 351 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 352 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 353 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 49.75 | 49.75 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 354 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 52.98 | 52.98 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 355 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 62.1 | 62.1 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-XX-2025 |
| 357 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 358 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 359 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 58.33 | 58.33 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 360 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0833 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 361 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 362 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 363 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 365 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 63.97 | 63.97 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 11-XX-2025 |
| 366 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 66.67 | 66.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 367 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .1398 | 1073 Individual Condo Report |  |  |  |  | XX | xxx | .1398 | 11-XX-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 11-XX-2025 |
| 368 | XX |  |  | XX | XX | 0 | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 370 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 373 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 01-XX-2026 Eligible | 1 | 01-XX-2026 |
| 374 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 375 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 50.83 | 50.83 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 380 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 381 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 382 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 02-XX-2026 |
| 383 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.26 | 74.26 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 384 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | -.0323 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0323 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 385 | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 386 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.54 | 64.54 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-XX-2025 |
| 387 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 45.77 | 45.77 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 388 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 28.7 | 28.7 | XX | XX | .0435 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .0435 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 389 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 391 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-XX-2026 |
| 393 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 57.83 | 57.83 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 394 | XX |  |  | XX | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 62.53 | 62.53 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 395 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 62.56 | 62.56 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 396 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 397 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 79.55 | 79.55 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-XX-2025 |
| 399 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 79.38 | 79.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 02-XX-2026 |
| 401 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-XX-2025 |
| 403 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 404 | XX |  |  | XX | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 406 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.67 | 74.67 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 409 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 410 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 02-XX-2026 |
| 411 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 59.46 | 59.46 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 12-XX-2025 |
| 413 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-XX-2025 |
| 415 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 12-XX-2025 |
| 416 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-XX-2025 |
| 417 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 419 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | 1004 URAR |  |  |  |  | XX | xxx | .0000 | 09-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 420 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 421 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 02-XX-2026 |
| 422 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 66.74 | 66.74 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 424 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 12-XX-2025 |
| 425 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 57.45 | 57.45 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 427 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 57.61 | 57.61 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-XX-2025 |
| 430 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 431 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 63.68 | 63.68 | XX | XX | -.0132 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0132 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 432 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 11-XX-2025 |
| 433 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 434 | XX |  |  | XX | XX | 0 | 0 | XX | 01-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 435 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 31.62 | 31.62 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 436 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 437 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 438 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 71.78 | 71.78 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 439 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 440 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 441 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .0040 | 1004 URAR |  |  |  |  | XX | xxx | .0040 | 11-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 11-XX-2025 |
| 442 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 443 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1073 Individual Condo Report | XX | XX | XX | XX | 62.6 | 62.6 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 444 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 445 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-XX-2026 |
| 446 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 74.83 | 74.83 | XX | XX | -.0035 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0035 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 447 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 449 | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 450 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 451 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 71.55 | 71.55 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 452 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 453 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.56 | 74.56 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | 12-XX-2025 |
| 455 | XX |  |  | XX | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.78 | 73.78 | XX | XX | -.0650 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0650 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 456 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 68.21 | 68.21 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 457 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 458 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 64.84 | 64.84 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 459 | XX |  |  | XX | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 73.1 | 73.1 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 461 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | XX | -.0411 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0411 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 462 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 Eligible |  |  |
| 464 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 48.76 | 48.76 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-XX-2025 |
| 465 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 468 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 26.09 | 26.09 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 12-XX-2025 |
| 469 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-XX-2025 |
| 471 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-XX-2025 |
| 472 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.24 | 74.24 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 473 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.53 | 74.53 | XX | XX | .0071 | 1004 URAR |  |  |  |  | XX | xxx | .0071 | 11-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 12-XX-2025 |
| 474 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 475 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 58.5 | 58.5 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 11-XX-2025 |
| 478 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 480 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 63.88 | 63.88 | XX | 0.0 | .0000 | 1025 Small Residential Income Report |  |  |  |  | XX | xxx | .0000 | 11-XX-2025 | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 481 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 482 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 Eligible |  |  |
| 484 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 487 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 11-XX-2025 |
| 488 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1004 URAR | XX | XX | XX | XX | 63.41 | 63.41 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 491 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 492 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 493 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | XX | .0241 | 1004 URAR |  |  |  |  | XX | xxx | .0241 | 01-XX-2026 | 1004 URAR |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 495 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 498 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-XX-2025 |
| 499 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 84.54 | 84.54 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 500 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 42.11 | 42.11 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 501 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 60.0 | 60.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 502 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-XX-2025 |
| 503 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.98 | 74.98 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 506 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 49.77 | 49.77 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-XX-2025 |
| 508 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | XX | .1707 | 1004 URAR |  |  |  |  | XX | xxx | .1707 | 11-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 11-XX-2025 |
| 509 | XX |  |  | XX | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 511 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-XX-2025 |
| 512 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 514 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 515 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 516 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 519 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 520 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 521 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 74.92 | 74.92 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 522 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 11-XX-2025 |
| 524 | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 66.55 | 66.55 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 525 | XX |  |  | XX | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.41 | 64.41 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 526 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 527 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 528 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | XX | .0267 | 1004 URAR |  |  |  |  | XX | xxx | .0267 | 11-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  | XX | XX | .0267 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 530 | XX |  |  | XX | XX | 0 | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 66.01 | 66.01 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 533 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 73.57 | 73.57 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 534 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 58.3 | 58.3 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-XX-2026 |
| 536 | XX |  |  | XX | XX |  | 0 | XX | 09-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 09-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-XX-2025 |
| 538 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR Desktop | XX | XX | XX | XX | 85.0 | 85.0 | XX | XX | .0634 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | .0634 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-XX-2025 |
| 540 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 47.78 | 47.78 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 541 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 542 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 543 | XX |  |  | XX | XX | 0 | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 65.0 | 65.0 | XX | XX | -.0947 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0947 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 544 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 545 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 546 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 547 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-XX-2025 |
| 548 | XX |  |  | XX | XX | 0 | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 46.2 | 46.2 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 549 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 62.38 | 62.38 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 02-XX-2026 |
| 550 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 10-XX-2025 |
| 551 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 552 | XX |  |  | XX | XX |  | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 58.75 | 58.75 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 10-XX-2025 |
| 554 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 11-XX-2025 |
| 555 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | XX | .0563 | 1004 URAR |  |  |  |  | XX | xxx | .0562 | 12-XX-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-XX-2025 |
| 556 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 77.97 | 77.97 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 558 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 48.08 | 48.08 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 01-XX-2026 |
| 559 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 38.53 | 38.53 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 12-XX-2025 |
| 560 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 561 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 67.05 | 67.05 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 562 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 11-XX-2025 |
| 563 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 64.29 | 64.29 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 564 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 565 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 02-XX-2026 |
| 567 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-XX-2025 |
| 568 | XX |  |  | XX | XX | 0 | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 569 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 570 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 571 | XX |  |  | XX | XX | 0 | 0 | XX | 09-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 84.92 | 84.92 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 572 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 573 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 574 | XX |  |  | XX | XX | XX | 0 | XX | 08-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 575 | XX |  |  | XX | XX | XX | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-XX-2026 |
| 577 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 580 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 70.0 | 70.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-XX-2026 |
| 585 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 586 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 62.28 | 62.28 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 12-XX-2025 |
| 587 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | 11-XX-2025 |
| 588 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 590 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 592 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-XX-2025 |
| 593 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 594 | XX |  |  | XX | XX | XX | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 12-XX-2025 |
| 595 | XX |  |  | XX | XX | 0 | 0 | XX | 08-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 596 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 597 | XX |  |  | XX | XX |  | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 78.14 | 78.14 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 02-XX-2026 Eligible |  |  |
| 600 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 85.0 | 85.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 11-XX-2025 |
| 602 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 604 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 605 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 606 | XX |  |  | XX | XX | XX | 0 | XX | 02-XX-2026 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 02-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 02-XX-2026 |
| 607 | XX |  |  | XX | XX |  | 0 | XX | 11-XX-2025 | 1004 URAR | XX | XX | XX | XX | 63.64 | 63.64 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 11-XX-2025 |
| 608 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 611 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1073 Individual Condo Report | XX | XX | XX | XX | 75.0 | 75.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 10-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 10-XX-2025 |
| 612 | XX |  |  | XX | XX |  | 0 | XX | 01-XX-2026 | 1004 URAR | XX | XX | XX | XX | 79.73 | 79.73 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 01-XX-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 01-XX-2026 |
| 614 | XX |  |  | XX | XX |  | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 62.12 | 62.12 | XX | XX | -.0303 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | XX | -.0303 | XX | Moderate Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |
| 616 | XX |  |  | XX | XX | XX | 0 | XX | 10-XX-2025 | 1025 Small Residential Income Report | XX | XX | XX | XX | 80.0 | 80.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Moderate Risk | 11-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 619 | XX |  |  | XX | XX | XX | 0 | XX | 12-XX-2025 | 1004 URAR | XX | XX | XX | XX | 90.0 | 90.0 | XX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX | 0.0 | .0000 | XX | Low Risk | 12-XX-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-XX-2025 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Fitch** | **Kroll** | **S&P** | **Moodys** |
| 1 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 4 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 5 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 6 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 7 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 9 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 11 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 13 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 15 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 16 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 18 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 19 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 20 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 21 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 22 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 23 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 25 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 26 | XXXX |  |  | XXXX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 27 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 28 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 29 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 30 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 31 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 32 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 33 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 34 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 37 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 38 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 40 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 42 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 43 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 44 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 47 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 48 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 50 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 51 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 52 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 53 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 54 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 55 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 56 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 57 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 58 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 59 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 60 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 61 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 62 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 65 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 66 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 68 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 69 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 70 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 74 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 75 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 77 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 80 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 81 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 82 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 83 | XXXX |  |  | XXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 84 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 85 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 88 | XXXX |  |  | XXXX | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 90 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 93 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 95 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 96 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 97 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 99 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 102 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 104 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 106 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 108 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 116 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 117 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 118 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 121 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 127 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 239 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 240 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 241 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 242 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 243 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 244 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 245 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 246 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 248 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 249 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 250 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 251 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 252 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 253 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 254 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 256 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 257 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 259 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 260 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 261 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 262 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 264 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 265 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 266 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 267 | XXXX |  |  | XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 268 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 271 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 272 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 273 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 274 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 275 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 276 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 277 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 278 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 280 | XXXX |  |  | XXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 283 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 284 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 286 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 287 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 289 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 291 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 292 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 294 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 295 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 296 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 297 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 298 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 300 | XXXX |  |  | XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| 302 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 306 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 307 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 308 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 309 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 310 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 311 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 312 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 313 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 314 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 318 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 319 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 320 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 321 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 323 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 324 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 325 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 326 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 327 | XXXX |  |  | XXXX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 328 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 329 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 330 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 331 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 332 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 333 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 334 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 336 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 338 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 339 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 340 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 341 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 346 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 347 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 348 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 349 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 350 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | C | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 351 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 352 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 353 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 354 | XXXX |  |  | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 355 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 357 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 358 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 359 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 360 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 361 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 362 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 363 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 365 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 366 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 367 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 368 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 370 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 373 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 374 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 375 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 380 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 381 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 382 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 383 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 384 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 385 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 386 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 387 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 388 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 389 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 391 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 393 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 394 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 395 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 396 | XXXX |  |  | XXXX | B | B | B | B | B | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 397 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 399 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 400 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 401 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 403 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 404 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 406 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 409 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 410 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 411 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 413 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 415 | XXXX |  |  | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 416 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 417 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 419 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 420 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 421 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 422 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 424 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 425 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 427 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 430 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 431 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 432 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 433 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 434 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 435 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 436 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 437 | XXXX |  |  | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 438 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 439 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 440 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 441 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 442 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 443 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 444 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 445 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 446 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 447 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 449 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 450 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 451 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 452 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 453 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 455 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 456 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 457 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 458 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 459 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 461 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 462 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 464 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 465 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 468 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | B | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 469 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 471 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 472 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 473 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 474 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 475 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 478 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 480 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 481 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 482 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 484 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 487 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 488 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 491 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 492 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 493 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 495 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 498 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 499 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 500 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 501 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 502 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 503 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 506 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 508 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 509 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 511 | XXXX |  |  | XXXX | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 512 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 514 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 515 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 516 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 519 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 520 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 521 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 522 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 524 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 525 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 526 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 527 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 528 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 530 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 533 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 534 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 536 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 538 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 540 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 541 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 542 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 543 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 544 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 545 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 546 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 547 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 548 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 549 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 550 | XXXX |  |  | XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | B | A | B | B | B | B | B |
| 551 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 552 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 554 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 555 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 556 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 558 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 559 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 560 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 561 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 562 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 563 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 564 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 565 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 567 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 568 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 569 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 570 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 571 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 572 | XXXX |  |  | XXXX | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| 573 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 574 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 575 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 577 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 580 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 585 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 586 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 587 | XXXX |  |  | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 588 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 590 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 592 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 593 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 594 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | B | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | B | A | A | A | A | B | A |
| 595 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 596 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 597 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 600 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 602 | XXXX |  |  | XXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 604 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 605 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 606 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 607 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| 608 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 611 | XXXX |  |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 612 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 614 | XXXX |  |  | XXXX | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 616 | XXXX |  |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 619 | XXXX |  |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** | **Primary Appraisal Occupancy** |
| 5 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6575 | 6600 | Appraisal - 1025 |  |  |  |  | 6575 | Actual In Place Rent | No | 71.02 | 1.4 | 1.408 | 4669.41 | 3375 | 08-31-2026 | 12 | 3200 | 11-19-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 56032.92 |  |  |  | 6575 |  |  |  |  |  |  | No | No | 1.5 | 1 | 1 | N/A | 33.58 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 11 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | N/A | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 12501.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 30.31 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 15 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Short Term Rental | 2766.67 | XXXX | 12 | 67.00% | 2766.67 | XXXX | Yes | 92.45 | 1.08 | 1.082 | 2557.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30693.72 |  |  |  | 2766.67 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.98 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 16 | XXXX |  |  | XXXX | XXXX | 24 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6485.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 258.21 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 19 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1007 |  |  |  |  | 3000 | Appraisal - 1007 | No | 104.99 | 0.96 | 0.952 | 3149.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33656.64 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 52.33 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 20 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1400 | 1400 | Appraisal - 1007 |  |  |  |  | 1400 | Actual In Place Rent | No | 77.54 | 1.29 | 1.29 | 1085.51 | 1400 | 12-30-2025 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17770 |  |  |  | 1400 |  |  |  |  |  |  | No | No | 2.3 | 1 | 1 | N/A | 470.02 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 21 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1200 | 1400 | Appraisal - 1007 |  |  |  |  | 1200 | Actual In Place Rent | No | 98.03 | 1.02 | 1.02 | 1176.41 | 1200 | 12-30-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14116.92 |  |  |  | 1200 |  |  |  |  |  |  | No | No | 3.4 | 1 | 1 | N/A | 433.19 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 25 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 78.39 | 1.27 | 1.276 | 1332.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40600 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.31 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 26 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1730 | Appraisal - 1007 |  |  |  |  | 1730 | Appraisal - 1007 | No | 57.93 | 1.71 | 1.726 | 1002.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27110 |  |  |  | 1730 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.75 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 28 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 131.76 | 0.75 | 0.759 | 3030.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24100 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 597.55 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A | XXXX | Owner |
| 30 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3399.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 63.82 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 32 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2453.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 251.04 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 37 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2103.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.4 | 1 | 1 | N/A | 8.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 38 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8550 | Appraisal - 1025 |  |  |  |  | 8550 | Appraisal - 1025 | No | 67.61 | 1.47 | 1.479 | 5780.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 8550 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.51 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 43 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2454 | Appraisal - 1007 |  |  |  |  | 2454 | Appraisal - 1007 | No | 113.69 | 0.65 | 0.88 | 2789.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33421.92 |  |  |  | 2454 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 18.44 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 44 | XXXX |  |  | XXXX | XXXX | Full Doc | N/A | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 10416.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 312.31 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 48 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 71.07 | 1.4 | 1.407 | 1279.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15000 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 76.3 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 51 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 78.63 | 1.27 | 1.272 | 1297.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 189.45 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Owner |
| 53 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 58.25 | 1.717 | 1.717 | 1077.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12932.04 |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.03 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 54 | XXXX |  |  | XXXX | XXXX | Full Doc | N/A | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2559.02 |  |  | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 102.55 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 59 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2550 | 2900 | Appraisal - 1025 |  |  |  |  | 2550 | Actual In Place Rent | No | 77.47 | 1.29 | 1.291 | 1975.38 | 850 | 05-01-2026 | 12 | 850 | 05-01-2026 | 12 | 850 | 05-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30040 |  |  |  | 2550 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 12.6 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 60 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3420 | 3100 | Appraisal - 1007 |  |  |  |  | 3100 | Appraisal - 1007 | No | 99.51 | 1 | 1.005 | 3084.94 | 3420 | 01-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37019.28 |  |  |  | 3100 |  |  |  |  |  |  | No | No | 0.7 | 1 | 1 | N/A | 12.58 | No |  |  | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 | N/A |  | Vacant |
| 62 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1450 | 2500 | Appraisal - 1007 |  |  |  |  | 1450 | Actual In Place Rent | No | 142.11 | 0.7 | 0.704 | 2060.53 | 1450 | 04-30-2026 | 6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23931.36 |  |  |  | 1450 |  |  |  |  |  |  | No | No | 24.2 | 1 | 1 | N/A | 43.44 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 68 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1350 | 1500 | Appraisal - 1007 |  |  |  |  | 1350 | Actual In Place Rent | No | 97.7 | 0.81 | 1.024 | 1318.91 | 1350 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 1350 |  |  |  |  |  |  | No | No | 21.1 | 1 | 1 | N/A | 161.17 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 74 | XXXX |  |  | XXXX | XXXX | Retirement Income Doc Verified | N/A | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3719.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 300000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 616.12 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 83 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 9000 | Appraisal - 1025 |  |  |  |  | 9000 | Appraisal - 1025 | No | 92.59 | 1.07 | 1.08 | 8333.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100002.48 |  |  |  | 9000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 12.82 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 90 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4750.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 180.12 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 93 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  | N/A |  |  |  |  |  |  | No |  |  | 0 | 4562.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 96 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 82.56 | 1.21 | 1.211 | 1362.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23800 |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 64.07 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 97 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1957.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55500 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 123.51 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 99 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1025 |  |  |  |  | 5400 | Appraisal - 1025 | No | 99.09 | 1 | 1.009 | 5351 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 116000 |  |  |  | 5400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 20.63 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 102 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3050 | Appraisal - 1007 |  |  |  |  | 3050 | Appraisal - 1007 | No | 81 | 1.23 | 1.235 | 2470.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 38000 |  |  |  | 3050 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 27.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 104 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1025 |  |  |  |  | 5000 | Appraisal - 1025 | No | 99.67 | 1 | 1.003 | 4983.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 312510 |  |  |  | 5000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.58 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 116 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4200 | 4000 | Appraisal - 1025 |  |  |  |  | 4000 | Appraisal - 1025 | No | 84.05 | 1.24 | 1.19 | 3362.1 | 1100 | 08-30-2026 | 1 | 950 | 12-31-2025 | 1 | 1100 | 12-31-2025 | 1 | 1050 | 12-31-2025 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 36000 |  |  |  | 4000 |  |  |  |  |  |  | No | No | 0 | 2 | 1 | N/A | 42.55 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 117 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4100 | 4000 | Appraisal - 1025 |  |  |  |  | 4100 | Actual In Place Rent | No | 82 | 1.219 | 1.219 | 3362.1 | 1000 | 01-16-2026 | 1 | 1000 | 01-16-2026 | 1 | 1000 | 01-16-2026 | 1 | 1100 | 05-31-2027 | 1 |  |  |  |  |  |  |  |  |  |  | Yes | 36000 |  |  |  | 4100 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 24.61 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 118 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1585 | 1688 | Appraisal - 1007 |  |  |  |  | 1585 | Actual In Place Rent | No | 94.47 | 1.059 | 1.059 | 1497.3 | 1585 | 09-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42000 |  |  |  | 1585 |  |  |  |  |  |  | No | No | 3.9 | 1 | 1 | N/A | 498.77 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 127 | XXXX |  |  | XXXX | XXXX | Retirement Income Doc Verified | N/A | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2080.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 8.47 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 239 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1025 |  |  |  |  | 2300 | Appraisal - 1025 | No | 93.71 | 1.06 | 1.067 | 2155.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30560 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.15 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 240 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  |  |  |  | 3500 | Appraisal - 1007 | No | 98.49 | 1.015 | 1.015 | 3447.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 42000 |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.35 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 241 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2980 | Appraisal - 1007 |  |  |  |  | 2980 | Appraisal - 1007 | No | 75.38 | 1.32 | 1.327 | 2246.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35400 |  |  |  | 2980 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.4 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 243 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2869.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49300 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 37.49 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 245 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 112.85 | 0.88 | 0.886 | 2087.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18775.8 |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 84.07 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 246 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1025 |  |  |  |  | 2400 | Appraisal - 1025 | No | 78.18 | 1.25 | 1.279 | 1876.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25020 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 328.33 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 248 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Short Term Rental | 2966.66 | XXXX | 12 | 43.00% | 2966.66 | XXXX | Yes | 56.52 | 1.38 | 1.769 | 1676.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31700 |  |  |  | 2966.66 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.15 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 250 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1250 | Appraisal - 1007 |  |  |  |  | 1250 | Appraisal - 1007 | No | 183.4 | 0.54 | 0.545 | 2292.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  | 1250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 35.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 254 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1950 | Appraisal - 1007 |  |  |  |  | 1950 | Appraisal - 1007 | No | 97.11 | 1.02 | 1.03 | 1893.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4000 |  |  |  | 1950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 28.87 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 260 | XXXX |  |  | XXXX | XXXX | 24 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1416.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21140 |  |  |  |  |  |  |  |  |  |  |  | No | 2.6 | 1 | 1 | N/A | 18.88 | No |  |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 271 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2250 | Appraisal - 1007 |  |  |  |  | 2250 | Appraisal - 1007 | No | 48.53 | 2.06 | 2.06 | 1092.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8805.12 |  |  |  | 2250 |  |  |  |  |  |  |  | No | 2.7 | 1 | 1 | N/A | 88.6 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Tenant |
| 276 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Subject Owner Occupied/Vacant | 0 | 8500 | Appraisal - 1007 |  |  |  |  | 8500 | Appraisal - 1007 | No | 70.29 | 1.45 | 1.423 | 5974.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 55000 |  |  |  | 8500 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 22.12 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 280 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 5765.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.9 | 1 | 1 | N/A | 13.64 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 283 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 937.5 | Appraisal - 1007 |  |  |  |  | 937.5 | Appraisal - 1007 | No | 112.15 | 0.89 | 0.892 | 1051.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 12616.68 |  |  |  | 937.5 |  |  |  |  |  |  |  | No | 0.4 | 1 | 1 | N/A | 33.72 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 284 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1850 | Appraisal - 1007 |  |  |  |  | 1850 | Appraisal - 1007 | No | 93.84 | 1.06 | 1.066 | 1736.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5400 |  |  |  | 1850 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 116.93 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 291 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 997.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11976 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 50.5 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 297 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | N/A | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 9920.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 101000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 74.02 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 307 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 106.34 | 0.94 | 0.94 | 2445.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36000 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 68.57 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 308 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2395 | Appraisal - 1007 |  |  |  |  | 2395 | Appraisal - 1007 | No | 113.89 | 0.87 | 0.878 | 2727.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 31412.4 |  |  |  | 2395 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 94.52 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 309 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2295 | 2300 | Appraisal - 1007 |  |  |  |  | 2295 | Actual In Place Rent | No | 71.57 | 1.397 | 1.397 | 1642.56 | 2295 | 10-22-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40850 |  |  |  | 2295 |  |  |  |  |  |  | No | No | 2.8 | 1 | 1 | N/A | 153.35 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 313 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7950 | 7800 | Appraisal - 1025 |  |  |  |  | 7800 | Appraisal - 1025 | No | 76.35 | 1.33 | 1.31 | 5955.27 | 2700 | 02-12-2026 | 1 | 2700 | 02-12-2026 | 1 | 2550 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71463.24 |  |  |  | 7800 |  |  |  |  |  |  | No | No | 1.2 | 1 | 1 | N/A | 0.12 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 314 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2932 | Appraisal - 1025 |  |  |  |  | 2932 | Appraisal - 1025 | No | 95.52 | 1.07 | 1.047 | 2800.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33915.48 |  |  |  | 2932 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.05 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 318 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1007 |  |  |  |  | 5400 | Appraisal - 1007 | No | 91.66 | 1.091 | 1.091 | 4949.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 59392.8 |  |  |  | 5400 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 86.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 319 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4200 | Short Term Rental | 7850 | XXXX | 12 | 74.00% | 7850 | XXXX | Yes | 65.79 | 1.52 | 1.52 | 5164.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 61970 |  |  |  | 7850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 46.75 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 325 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3700 | Appraisal - 1007 |  |  |  |  | 3700 | Appraisal - 1007 | No | 97.56 | 1 | 1.025 | 3609.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 44189.88 |  |  |  | 3700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 75.26 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 328 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2553.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22528 |  |  |  |  |  |  |  |  |  |  |  | No | 1.5 | 2 | 1 | N/A | 87.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 329 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1975 | Appraisal - 1007 |  |  |  |  | 1975 | Appraisal - 1007 | No | 92.62 | 1.07 | 1.08 | 1829.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 25000 |  |  |  | 1975 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.31 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 330 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3605 | 4000 | Appraisal - 1025 |  |  |  |  | 3605 | Actual In Place Rent | No | 123.59 | 0.8 | 0.809 | 4455.29 | 2000 | 07-31-2026 | 6 | 1605 | 12-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40800 |  |  |  | 3605 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 15.78 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 333 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4500 | Appraisal - 1007 |  |  |  |  | 4500 | Appraisal - 1007 | No | 114.29 | 0.875 | 0.875 | 5142.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 204900 |  |  |  | 4500 |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 8.13 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 340 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3500 | 3250 | Appraisal - 1007 |  |  |  |  | 3500 | Actual In Place Rent | No | 94.53 | 1.05 | 1.058 | 3308.46 | 3500 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 80000 |  | XXXX |  | 3500 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 109.69 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| 341 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6822.31 | 16000 | 04-14-2029 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 10.2 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 346 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1007 |  |  |  |  | 2400 | Appraisal - 1007 | No | 97.96 | 1.02 | 1.021 | 2351.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21875.16 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.07 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 348 | XXXX |  |  | XXXX | XXXX | Full Doc | N/A | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1245.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 23.67 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 360 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8600 | Appraisal - 1025 |  |  |  |  | 8600 | Appraisal - 1025 | No | 68.99 | 1.44 | 1.45 | 5933.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 71196.12 |  |  |  | 8600 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 40.41 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 363 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3850 | Appraisal - 1007 |  |  |  |  | 3850 | Appraisal - 1007 | No | 109.2 | 0.91 | 0.916 | 4204.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50450.64 |  |  |  | 3850 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 63.82 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 368 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1850 | 1900 | Appraisal - 1025 |  |  |  |  | 1850 | Actual In Place Rent | No | 75.2 | 1.32 | 1.33 | 1391.22 | 900 | 05-01-2026 | 12 | 950 | 04-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16694.64 |  |  |  | 1850 |  |  |  |  |  |  | No | No | 9.2 | 1 | 1 | N/A | 101.42 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 370 | XXXX |  |  | XXXX | XXXX | Asset Depletion – Debt Ratio Calculation | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8732.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 77520 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 19.67 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 380 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 8889.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 88240 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.51 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 381 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2900 | 2500 | Appraisal - 1007 |  |  |  |  | 2500 | Appraisal - 1007 | No | 91.6 | 1.09 | 1.092 | 2289.88 | 2900 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17158.68 |  |  |  | 2500 |  |  |  |  |  |  | No | No | 2.1 | 1 | 1 | N/A | 70.28 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 384 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 10958 | XXXX | 12 | 50.00% | 10958 | XXXX | Yes | 73.74 | 1.35 | 1.356 | 8080.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 75000 |  |  |  | 10958 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 126.85 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | Full Recourse |  | Vacant |
| 385 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2500 | 2800 | Appraisal - 1025 |  |  |  |  | 2500 | Actual In Place Rent | No | 57.13 | 1.75 | 1.75 | 1428.2 | 1300 | 10-01-2027 | 12 | 1200 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 15135.6 |  |  |  | 2500 |  |  |  |  |  |  | No | No | 8.8 | 1 | 1 | N/A | 128.68 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 389 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  |  |  |  | 3500 | Appraisal - 1007 | No | 79.59 | 1.25 | 1.256 | 2785.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 391 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1579.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4000 |  |  |  |  |  |  |  |  |  |  |  | No |  | 2 | 1 | N/A | 19.71 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 394 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4600 | 9900 | Appraisal - 1025 |  |  |  |  | 4600 | Actual In Place Rent | No | 81.29 | 1.08 | 1.23 | 3739.23 | 1400 | 11-26-2025 | 1 | 2100 | 11-26-2025 | 1 | 1100 | 11-26-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 104644 |  |  |  | 4600 |  |  |  |  |  |  | No | No | 3.2 | 1 | 1 | N/A | 0.53 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 399 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1200 | Appraisal - 1025 |  |  |  |  | 1200 | Appraisal - 1025 | No | 81.59 | 1.22 | 1.226 | 979.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 11749.2 |  |  |  | 1200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 134.85 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 403 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Short Term Rental | 5058.33 | XXXX | 12 | 65.00% | 5058.33 | XXXX | Yes | 52.11 | 1.81 | 1.919 | 2635.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 37000 |  |  |  | 5058.33 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 22.67 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 404 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2300 | 2400 | Appraisal - 1007 |  |  |  |  | 2300 | Actual In Place Rent | No | 94.53 | 1.058 | 1.058 | 2174.11 | 2300 | 12-29-2027 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 73800 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 0.2 | 1 | 1 | N/A | 14.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | Full Recourse | XXXX | Vacant |
| 409 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  |  |  |  | 3300 | Appraisal - 1007 | No | 97.02 | 1.03 | 1.031 | 3201.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52000 |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 128.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 410 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1639.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 46.67 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 420 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3897.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 231.89 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 422 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3750 | 3750 | Appraisal - 1007 |  |  |  |  | 3750 | Actual In Place Rent | No | 83.01 | 1.2 | 1.205 | 3112.74 | 1875 | 05-03-2026 | 12 | 1875 | 05-03-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 27603.96 |  |  |  | 3750 |  |  |  |  |  |  | No | No | 12.9 | 1 | 1 | N/A | 92.35 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 425 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | N/A |  |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1622.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 56.94 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 431 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 4583.33 | XXXX | 12 | 64.00% | 4583.33 | XXXX | Yes | 197.78 | 0.5 | 0.506 | 9064.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 52800 |  |  |  | 4583.33 |  |  |  |  |  |  |  | No | 0 | 3 | 1 | N/A | 43.24 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 434 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3390 | 2800 | Appraisal - 1025 |  |  |  |  | 2800 | Appraisal - 1025 | No | 88.9 | 1.125 | 1.125 | 2489.32 | 1695 | 02-01-2027 | 1 | 1695 | 02-01-2027 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 2800 |  |  |  |  |  |  | No | No | 4.9 | 1 | 1 | N/A | 21.54 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 438 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1835.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 | 1 | N/A | 114.17 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 439 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2380 | Appraisal - 1007 |  |  |  |  | 2380 | Appraisal - 1007 | No | 74.46 | 1.34 | 1.343 | 1772.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28560 |  |  |  | 2380 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 25.23 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 442 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 63.39 | 1.57 | 1.577 | 1077.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14300 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 74.29 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 443 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2501.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1000 |  |  |  |  |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 22.67 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 444 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1300 | Appraisal - 1007 |  |  |  |  | 1300 | Appraisal - 1007 | No | 73.17 | 1.36 | 1.367 | 951.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14700 |  |  |  | 1300 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 433.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 445 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 9046.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 285000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.16 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 447 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  | Appraisal - 1025 |  |  |  |  |  |  | No |  |  | 0 | 3797.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40400 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.41 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 449 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4150 | 3700 | Appraisal - 1025 |  |  |  |  | 3700 | Appraisal - 1025 | No | 84.15 | 1.18 | 1.188 | 3113.4 | 875 | 05-31-2026 | 12 | 3275 | 02-28-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41700 |  |  |  | 3700 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 102.33 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 452 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1700 | Appraisal - 1007 |  |  |  |  | 1700 | Appraisal - 1007 | No | 128.35 | 0.77 | 0.779 | 2182 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 1700 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 14.31 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 453 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1500 | Appraisal - 1007 |  |  |  |  | 1500 | Appraisal - 1007 | No | 89.75 | 1.11 | 1.114 | 1346.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20000 |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 48.18 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 455 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2000 | Appraisal - 1007 |  |  |  |  | 2000 | Appraisal - 1007 | No | 74.22 | 1.34 | 1.347 | 1484.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14746.92 |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0.6 | 1 | 1 | N/A | 115.56 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 459 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3100 | 3200 | Appraisal - 1007 |  |  |  |  | 3100 | Actual In Place Rent | No | 134.36 | 0.74 | 0.744 | 4165.08 | 3100 | 05-31-2027 | 17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49981.08 |  |  |  | 3100 |  |  |  |  |  |  | No | No | 0.8 | 1 | 1 | N/A | 18.06 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 461 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1025 |  |  |  |  | 1800 | Appraisal - 1025 | No | 60.7 | 1.648 | 1.648 | 1092.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 39700 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 37.42 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 471 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 4503.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.2 | 6 | 1 | N/A | 24.24 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 472 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 71.58 | 1.397 | 1.397 | 1360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 20500 |  |  |  | 1900 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 332.09 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 474 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2400 | Appraisal - 1025 |  |  |  |  | 2400 | Appraisal - 1025 | No | 62.22 | 1.59 | 1.607 | 1493.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 109700 |  |  |  | 2400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 290.45 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 478 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8150 | 8000 | Appraisal - 1025 |  |  |  |  | 8150 | Actual In Place Rent | No | 73.09 | 1.098 | 1.098 | 5956.92 | 2350 | 04-30-2026 | 12 | 1840 | 01-31-2026 | 12 | 2350 | 04-30-2026 | 12 | 1610 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  | 8150 |  |  |  |  |  |  | No | No | 1.3 | 1 | 1 | N/A | 8.59 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 484 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1550 | 1550 | Appraisal - 1007 |  |  |  |  | 1550 | Actual In Place Rent | No | 71.93 | 1.39 | 1.39 | 1114.92 | 1550 | 11-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18600 |  |  |  | 1550 |  |  |  |  |  |  | No | No | 5.4 | 1 | 1 | N/A | 19.08 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 491 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2660 | Appraisal - 1025 |  |  |  |  | 2660 | Appraisal - 1025 | No | 74.19 | 1.34 | 1.348 | 1973.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 23682.36 |  |  |  | 2660 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.69 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 495 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2100 | Appraisal - 1007 |  |  |  |  | 2100 | Appraisal - 1007 | No | 73.67 | 1.35 | 1.357 | 1547.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18400 |  |  |  | 2100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 32.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 502 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 2031.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 24.37 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 503 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Appraisal - 1007 | No | 135.5 | 0.81 | 0.738 | 3116.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 35574.12 |  |  |  | 2300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 108.73 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 509 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2300 | 2400 | Appraisal - 1007 |  |  |  |  | 2300 | Actual In Place Rent | No | 65.83 | 1.24 | 1.519 | 1514.2 | 2300 | 11-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 16331.28 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 0.5 | 1 | 1 | N/A | 35.81 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 512 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4400 | Appraisal - 1007 |  |  |  |  | 4400 | Appraisal - 1007 | No | 99.99 | 1 | 1 | 4399.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 65300 |  |  |  | 4400 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.78 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 515 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1025 |  |  |  |  | 3000 | Appraisal - 1025 | No | 81.21 | 1.22 | 1.231 | 2436.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 41100 |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.25 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 519 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2820 | Appraisal - 1007 |  |  |  |  | 2820 | Appraisal - 1007 | No | 145.15 | 0.68 | 0.689 | 4093.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49117.44 |  |  |  | 2820 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 6.25 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 520 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 |  | Short Term Rental | 1733.33 | XXXX | 12 | 47.00% | 1733.33 | XXXX | Yes | 97.03 | 1.02 | 1.031 | 1681.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 18000 |  |  |  | 1733.33 |  |  |  |  |  |  |  | No | 1.6 | 1 | 1 | N/A | 8.02 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 525 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1650 | Appraisal - 1007 |  |  |  |  | 1650 | Appraisal - 1007 | No | 73.61 | 1.358 | 1.358 | 1214.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5000 |  |  |  | 1650 |  |  |  |  |  |  |  | No | 0.2 | 1 | 1 | N/A | 12.71 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 527 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4599 | 4300 | Appraisal - 1025 |  |  |  |  | 4300 | Appraisal - 1025 | No | 81.19 | 1.31 | 1.232 | 3491.27 | 2849 | 04-30-2026 | 12 | 1750 | 10-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 49900 |  |  |  | 4300 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 8.81 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 530 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2006.25 | Appraisal - 1007 |  |  |  |  | 2006.25 | Appraisal - 1007 | No | 148.33 | 0.67 | 0.674 | 2975.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 40000 |  |  |  | 2006.25 |  |  |  |  |  |  |  | No | 1.4 | 1 | 1 | N/A | 13.31 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | Full Recourse | XXXX | Vacant |
| 542 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3407.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 249.27 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 543 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2300 | 2300 | Appraisal - 1007 |  |  |  |  | 2300 | Actual In Place Rent | No | 119.79 | 0.83 | 0.835 | 2755.1 | 2300 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24649.44 |  |  |  | 2300 |  |  |  |  |  |  | No | No | 14.6 | 1 | 1 | N/A | 110.22 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 544 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1773.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 26300 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 222.47 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 545 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2200 | Appraisal - 1007 |  |  |  |  | 2200 | Appraisal - 1007 | No | 85.8 | 1.16 | 1.165 | 1887.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 22651.92 |  |  |  | 2200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 75.22 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 548 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3000 | 3200 | Appraisal - 1007 |  |  |  |  | 3000 | Actual In Place Rent | No | 67.14 | 1.48 | 1.489 | 2014.27 | 3000 | 02-27-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 24171.24 |  |  |  | 3000 |  |  |  |  |  |  | No | No | 13.3 | 1 | 1 | N/A | 104.73 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 550 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6705.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 38.1 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 551 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  |  |  |  | 1900 | Appraisal - 1007 | No | 81.36 | 1.229 | 1.229 | 1545.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2400 |  |  |  | 1900 |  |  |  |  |  |  |  | No | 1 | 2 | 1 | N/A | 155.41 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 554 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 10196.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 92200 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 139.55 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 556 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 1754.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21050.16 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 114.49 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 562 | XXXX |  |  | XXXX | XXXX | Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 9365.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 30000 |  |  |  |  |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 12.74 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 564 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1025 |  |  |  |  | 2800 | Appraisal - 1025 | No | 79.36 | 1.24 | 1.26 | 2222.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 133800 |  |  |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 62.78 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 568 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2350 | 2500 | Appraisal - 1007 |  |  |  |  | 2350 | Actual In Place Rent | No | 62.08 | 1.51 | 1.611 | 1458.99 | 1250 | 04-30-2025 | 1 | 1100 | 04-01-2025 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 14921.88 |  |  |  | 2350 |  |  |  |  |  |  | No | No | 9.2 | 1 | 1 | N/A | 113.44 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 570 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8100 | Appraisal - 1025 |  |  |  |  | 8100 | Appraisal - 1025 | No | 98.18 | 1.01 | 1.019 | 7952.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 47713.62 |  |  |  | 8100 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 100.85 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Vacant |
| 571 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5250 | 5000 | Appraisal - 1025 |  |  |  |  | 5250 | Actual In Place Rent | No | 86.73 | 1.153 | 1.153 | 4553.19 | 2600 | 03-31-2026 | 12 | 2650 | 04-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 60000 |  |  |  | 5250 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 6.06 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 572 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 6421.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 70000 |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 90.88 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 573 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2750 | Appraisal - 1007 |  |  |  |  | 2750 | Appraisal - 1007 | No | 157.53 | 0.635 | 0.635 | 4331.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 33000 |  |  |  | 2750 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 91.48 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 575 | XXXX |  |  | XXXX | XXXX | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | 3945.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.1 | 1 | 1 | N/A | 11.07 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 577 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4500 | Appraisal - 1007 |  |  |  |  | 4500 | Appraisal - 1007 | No | 102.66 | 0.97 | 0.974 | 4619.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 74900 |  |  |  | 4500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 282.14 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Owner |
| 585 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5950 | Appraisal - 1025 |  |  |  |  | 5950 | Appraisal - 1025 | No | 59.89 | 1.669 | 1.67 | 3563.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 144800 |  |  |  | 5950 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 15.49 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 590 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3400 | Appraisal - 1025 |  |  |  |  | 3400 | Appraisal - 1025 | No | 81.74 | 1.21 | 1.223 | 2779.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 36790 |  |  |  | 3400 |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 11.04 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 595 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3000 | 2880 | Appraisal - 1007 |  |  |  |  | 2880 | Appraisal - 1007 | No | 98.54 | 1.05 | 1.015 | 2837.83 | 3000 | 08-15-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 28665 |  |  |  | 2880 |  |  |  |  |  |  | No | No | 1 | 1 | 1 | N/A | 49.18 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 596 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4100 | 4100 | Appraisal - 1025 |  |  |  |  | 4100 | Appraisal - 1025 | No | 68.22 | 1.466 | 1.466 | 2796.82 | 1700 | 01-30-2026 | 1 | 1700 | 01-30-2026 | 1 | 700 | 01-30-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 4100 |  |  |  |  |  |  | No | No | 0 | 1 | 1 | N/A | 11.98 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Tenant |
| 602 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1800 | Appraisal - 1007 |  |  |  |  | 1800 | Appraisal - 1007 | No | 99.87 | 1 | 1.001 | 1797.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 21570.96 |  |  |  | 1800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 191.91 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |
| 605 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1452 | Appraisal - 1007 |  |  |  |  | 1452 | Appraisal - 1007 | No | 65.55 | 1.49 | 1.526 | 951.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 17424 |  |  |  | 1452 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 9.95 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 608 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2600 | Appraisal - 1007 |  |  |  |  | 2600 | Appraisal - 1007 | No | 91.18 | 1.097 | 1.097 | 2370.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8000 |  |  |  | 2600 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 71.33 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 0 | N/A |  | Vacant |
| 616 | XXXX |  |  | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3200 | Appraisal - 1025 |  |  |  |  | 3200 | Appraisal - 1025 | No | 65.07 | 1.53 | 1.537 | 2082.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 50000 |  |  |  | 3200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 18.11 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 1 | XXXX | XXXX |  |  | Closed | 2026-02-04 11:04 | 2026-02-26 09:11 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Initial LE provided, Finding resolved - Due Diligence Vendor-02/26/2026 <br> Resolved- - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/25/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Y - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Initial LE provided, Finding resolved - Due Diligence Vendor-02/26/2026<br>| XXXX |  |  | NJ | Primary Residence | Purchase | NA | 7442416 | N/A | N/A |
| 1 | XXXX | XXXX |  |  | Closed | 2026-02-12 10:32 | 2026-02-12 10:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026<br>|  |  |  | NJ | Primary Residence | Purchase | NA | 7585740 | Investor Post-Close | No |
| 5 | XXXX | XXXX |  |  | Closed | 2026-01-10 13:00 | 2026-02-02 11:01 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. 1/28/2026 XXXX: uploaded email that displays OFAC check on this loan and two others. XXXX, XXXX and XXXX - Buyer-01/28/2026 <br> Open-OFAC Check Not Completed and/or Cleared A copy of the OFAC Report is missing. - Due Diligence Vendor-01/10/2026 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/02/2026<br>| XXXX |  |  | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 7023866 | N/A | N/A |
| 6 | XXXX | XXXX |  |  | Closed | 2025-12-18 15:45 | 2026-03-30 10:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/30/2026 <br> Resolved-Lender provided VVOE with SOS for verification of employment. Finding resolved - Due Diligence Vendor-02/16/2026 <br> Resolved-Lender provided VVOE with SOS for verification of employment. Finding resolved. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Document Uploaded. - Investor-02/13/2026 <br> Counter-Finding remains. Reverse search of business phone # received. Phone number is also listed on final 1003 as borrowers personal/home number. Search results provided do attach number to borrowers' business listed on the 1003. Lender guidelines require : Verification that the borrower's business remains operational must be done within 20 calendar days of the Note date. The following verifications <br> include, but are not limited to: <br> • Evidence of current work (executed contracts or signed invoices that <br> indicate the business is operating on the day the self-employment is verified); <br> • Evidence of current business receipts within 20 days of the Note date <br> (payment for services performed); <br> • Lender certification the business is open and operating (lender <br> confirmed through a phone call or other means); or <br> • Business website demonstrating activity supporting current business <br> operations (timely appointments for estimates or service can be scheduled - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/23/2026 <br> Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing Verification of B1 Self Employed business within 20 Calander days of Note Date. - Due Diligence Vendor-12/18/2025 |  | Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/30/2026 <br>Resolved-Lender provided VVOE with SOS for verification of employment. Finding resolved - Due Diligence Vendor-02/16/2026 <br>Resolved-Lender provided VVOE with SOS for verification of employment. Finding resolved. - Due Diligence Vendor-02/16/2026<br>| XXXX |  |  | WY | Primary Residence | Purchase | NA | 6693474 | N/A | N/A |
| 6 | XXXX | XXXX |  |  | Closed | 2025-12-18 15:34 | 2026-03-30 10:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/30/2026 <br> Resolved- - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/13/2026 <br> Counter-Finding remains. Reverse search of business phone # received. Phone number is also listed on final 1003 as borrowers personal/home number. Search results provided do attach number to borrowers' business listed on the 1003. Lender guidelines require : Verification that the borrower's business remains operational must be done within 20 calendar days of the Note date. The following verifications <br> include, but are not limited to: <br> • Evidence of current work (executed contracts or signed invoices that <br> indicate the business is operating on the day the self-employment is verified); <br> • Evidence of current business receipts within 20 days of the Note date <br> (payment for services performed); <br> • Lender certification the business is open and operating (lender <br> confirmed through a phone call or other means); or <br> • Business website demonstrating activity supporting current business <br> operations (timely appointments for estimates or service can be scheduled<br> - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/23/2026 <br> Counter-We are requesting a verification of the borrower's business; condition remains. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-1/2/2026XXXX: Ops has asked that you confim whether youare requesting a Verification of the Borrower's Business rather than a Verification of Employment? - Investor-01/02/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verification of B1 Self Employed business within 20 Calander days of Note Date. - Due Diligence Vendor-12/18/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/30/2026<br>| XXXX |  |  | WY | Primary Residence | Purchase | NA | 6693157 | N/A | N/A |
| 7 | XXXX | XXXX |  |  | Closed | 2025-12-18 12:21 | 2026-04-03 12:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Seller-03/02/2026 <br> Counter-Requesting a Verification of the Borrower's Business within 20 calendar days of the Note Date. Note dated XX/XX/XXXX, verification provided dated 1/21/2026; condition remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Investor-02/03/2026 <br> Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing VVOE within 20 calendar days of the Note Date for B1s Self Employed Business. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-03/02/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | AK | Primary Residence | Purchase | NA | 6688330 | N/A | N/A |
| 7 | XXXX | XXXX |  |  | Closed | 2025-12-18 12:21 | 2026-03-03 17:21 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/02/2026 <br> Counter-Requesting a Verification of the Borrower's Business within 20 calendar days of the Note Date. Note dated XX/XX/XXXX, verification provided dated 1/21/2026; condition remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/03/2026 <br> Counter-We are requesting a Verification of the Borrower's Business; condition remains. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-1/2/2026 XXXX: Ops has asked that you confim whether youare requesting a Verification of the Borrower's Business rather than a Verification of Employment? - Buyer-01/02/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE within 20 calendar days of the Note Date for B1s Self Employed Business. - Due Diligence Vendor-12/18/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | AK | Primary Residence | Purchase | NA | 6688329 | N/A | N/A |
| 9 | XXXX | XXXX |  |  | Closed | 2025-12-16 11:45 | 2026-02-13 08:34 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Investor-02/10/2026 <br> Counter-The required coverage is based upon the loan amount or Replacement Cost of the property. Per FNMA default regulations, If the replacement cost value of the improvements is less than the UPB, the replacement cost value is the amount of coverage required. The source that the lender or servicer uses to verify the coverage amount may be the property insurer, an independent insurance risk specialist, or other professional with appropriate resources to make such a determination. This may include, but is not limited to, a statement from the insurer or other applicable professional, a replacement cost estimator, or an insurance risk appraisal. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Per Compliance - The policy has $XXXX in coverage. If we are using the Appraised Value ($XXXX) minus the Site Value ($XXXX), we would require $XXXX in coverage. They should have enough based on this calculation. - Investor-01/28/2026 <br> Counter-The policy provided is the same policy in the file, with no new information appearing. Finding remains. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Investor-01/23/2026 <br> Counter-Hazard Insurance Coverage Amount of $XXXX is less than Total Estimate of Cost-new of $XXXX per the appraisal. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-1/2/2026 XXXX: Per Ops: Coverage is more than Insurable Value from Appraisal so this should be sufficient - Investor-01/02/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Total Amount of Subject Lien(s) of $XXXX . - Due Diligence Vendor-12/16/2025 |  | Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-02/13/2026 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6646211 | N/A | N/A |
| 11 | XXXX | XXXX |  |  | Closed | 2026-02-06 18:43 | 2026-02-06 18:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2026<br>|  |  |  | NJ | Investment | Purchase | NA | 7501437 | Investor Post-Close | No |
| 13 | XXXX | XXXX |  |  | Closed | 2026-01-23 11:26 | 2026-02-19 15:16 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/19/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-01/23/2026 |  | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX - Due Diligence Vendor-02/19/2026 | XXXX |  |  | ID | Primary Residence | Refinance | Cash Out - Other | 7273634 | N/A | N/A |
| 15 | XXXX | XXXX |  |  | Closed | 2025-12-30 05:43 | 2026-03-26 08:33 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Corrected Note received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-The Note is Present - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/03/2026 <br> Open-The Note is Incomplete The Note reflects an interest only payment; however, the Note is not on the interest only form. - Due Diligence Vendor-12/30/2025 |  | Resolved-Corrected Note received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | ND | Investment | Purchase | NA | 6848489 | N/A | N/A |
| 16 | XXXX | XXXX |  |  | Closed | 2026-02-14 11:29 | 2026-02-14 11:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2026<br>|  |  |  | MA | Investment | Purchase | NA | 7622668 | Investor Post-Close | No |
| 25 | XXXX | XXXX |  |  | Closed | 2026-01-10 06:02 | 2026-03-30 17:28 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. 1/28/2026XXXX: uploaded email that displays OFAC check on this loan and two others. XXXX, XXXX and XXXX - Buyer-01/28/2026 <br> Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/10/2026 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/02/2026<br>| XXXX |  |  | MD | Investment | Purchase | NA | 7022828 | N/A | N/A |
| 26 | XXXX | XXXX |  |  | Closed | 2026-01-07 07:39 | 2026-01-19 15:53 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lender provided rate lock agreement, finding resolved. - Due Diligence Vendor-01/19/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/12/2026 <br> Open- - Due Diligence Vendor-01/07/2026 |  | Resolved-Lender provided rate lock agreement, finding resolved. - Due Diligence Vendor-01/19/2026<br>| XXXX |  |  | MD | Investment | Purchase | NA | 6956007 | N/A | N/A |
| 26 | XXXX | XXXX |  |  | Closed | 2026-01-07 07:36 | 2026-01-19 15:47 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application (1003) | Resolved-Lender provided executed Final 1003, finding resolved. - Due Diligence Vendor-01/19/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/12/2026 <br> Open-A final application for the subject transaction was not provided - Due Diligence Vendor-01/07/2026 |  | Resolved-Lender provided executed Final 1003, finding resolved. - Due Diligence Vendor-01/19/2026<br>| XXXX |  |  | MD | Investment | Purchase | NA | 6955970 | N/A | N/A |
| 30 | XXXX | XXXX |  |  | Closed | 2026-01-19 12:12 | 2026-02-13 08:47 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Final CD reflecting cash to borrower provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/10/2026 <br> Open-Missing proof of funds for closing. The final application reflects there is cash back from another property refinance. For the same final documentation is missing provided was stated as estimated. - Due Diligence Vendor-01/19/2026 |  | Resolved-Final CD reflecting cash to borrower provided. - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | CA | Investment | Purchase | NA | 7167726 | N/A | N/A |
| 31 | XXXX | XXXX |  |  | Closed | 2026-02-26 08:15 | 2026-02-26 08:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7820780 | Investor Post-Close | No |
| 40 | XXXX | XXXX |  |  | Closed | 2026-02-09 06:14 | 2026-02-09 06:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/09/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/09/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7511787 | Investor Post-Close | No |
| 43 | XXXX | XXXX |  |  | Closed | 2025-12-24 07:20 | 2026-02-19 13:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower ID received, finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/19/2026 <br> Open-Missing Borrower Identification - Borrower 1. Missing US Citizen ID Confirmation - Borrower 1 - Due Diligence Vendor-12/24/2025 |  | Resolved-Borrower ID received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | TN | Investment | Refinance | Cash Out - Other | 6786266 | N/A | N/A |
| 43 | XXXX | XXXX |  |  | Closed | 2026-01-10 11:34 | 2026-02-02 17:48 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOM received. Resolved. - Due Diligence Vendor-02/02/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/28/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. A Verification of mortgage for the subject property is missing. - Due Diligence Vendor-01/10/2026 |  | Resolved-VOM received. Resolved. - Due Diligence Vendor-02/02/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/02/2026<br>| XXXX |  |  | TN | Investment | Refinance | Cash Out - Other | 7023651 | N/A | N/A |
| 47 | XXXX | XXXX |  |  | Closed | 2026-01-23 05:38 | 2026-02-24 10:40 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-lender provided ID Risk Review with OFAC Sanctions Search for borrower, Finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/24/2026 <br> Counter-Received ID Risk Review for Bwr. There is no OFAC check on it. Most fraud reports have an OFAC Check verifying all parties to the transaction, The OFAC check on the report in the file is blank, not performed on that report. Finding remains. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/02/2026 <br> Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/23/2026 |  | Resolved-lender provided ID Risk Review with OFAC Sanctions Search for borrower, Finding resolved. - Due Diligence Vendor-02/24/2026 <br>Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-02/24/2026<br>| XXXX |  |  | SC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7264114 | N/A | N/A |
| 48 | XXXX | XXXX |  |  | Closed | 2026-01-11 21:36 | 2026-02-04 15:14 | Resolved | 1 - Information | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Updated Policy received. Resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-Master Policy Expiration Date of XX/XX/XXXX is Equal to or After the Transaction Date of XX/XX/XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/30/2026 <br> Open-Master Policy Expiration Date of XX/XX/XXXX is Prior To the Transaction Date of XX/XX/XXXX - Due Diligence Vendor-01/12/2026 |  | Resolved-Updated Policy received. Resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-Master Policy Expiration Date of XX/XX/XXXX is Equal to or After the Transaction Date of XX/XX/XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-02/04/2026 | XXXX |  |  | MD | Investment | Purchase | NA | 7028235 | N/A | N/A |
| 51 | XXXX | XXXX |  |  | Closed | 2026-01-09 15:09 | 2026-02-19 13:41 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID received, finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/19/2026 <br> Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-01/09/2026 |  | Resolved-Borrowing Entity Tax ID received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | NE | Investment | Purchase | NA | 7015573 | N/A | N/A |
| 52 | XXXX | XXXX |  |  | Closed | 2026-03-27 14:30 | 2026-03-27 14:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026<br>|  |  |  | MA | Primary Residence | Purchase | NA | 8366550 | Investor Post-Close | No |
| 53 | XXXX | XXXX |  |  | Closed | 2026-01-07 09:46 | 2026-01-20 09:58 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/20/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/07/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/20/2026<br>| XXXX |  |  | PA | Investment | Purchase | NA | 6960225 | N/A | N/A |
| 55 | XXXX | XXXX |  |  | Closed | 2026-02-06 07:49 | 2026-02-26 07:53 | Resolved | 1 - Information | Credit | Assets | Asset 2 Expired | Resolved-Review assets, finding resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-02/26/2026 <br> Ready for Review-U/W's response: Please ask XXXX to provide specifics to the finding. Unknown what they are looking for. Bank statements provided end 10-31-25, valid for 90 days and would not have been expired at time of closing on XX/XX/XXXX. - Buyer-02/25/2026 <br> Open-Asset 2 Expired y - Due Diligence Vendor-02/06/2026 |  | Resolved-Review assets, finding resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-02/26/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7486694 | N/A | N/A |
| 55 | XXXX | XXXX |  |  | Closed | 2026-02-06 07:25 | 2026-02-20 14:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Master Insurance Policy | Resolved-Condo Master Insurance Policy is fully present. Finding resolved - Due Diligence Vendor-02/20/2026 <br> Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/19/2026 <br> Open-Missing Condo Master Insurance Policy Condo master policy is missing - Due Diligence Vendor-02/06/2026 |  | Resolved-Condo Master Insurance Policy is fully present. Finding resolved - Due Diligence Vendor-02/20/2026 <br>Resolved-Condo Master Insurance Policy is fully present - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7486379 | N/A | N/A |
| 57 | XXXX | XXXX |  |  | Closed | 2026-01-22 21:39 | 2026-03-03 16:43 | Resolved | 1 - Information | Compliance | Mavent | License: Loan Originator | Resolved-lender provided updated 1003 to show LO was XXXX, who also ran compliance on the loan review, Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/02/2026 <br> Counter-All the documents in the Collateral loan file stated XXXX has the LO and not XXXX. Finding remains. - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. "We disagree with this finding. This loan closed with XXXX as the Registered Loan Originator for xxx. Please see attached final application. This was included in the file on XX/XX/XXXX and is now tagged in xxx."<br>- Buyer-02/20/2026 <br> Counter-Loan originator license generally must be active and properly sponsored at the time a loan closes.XXXX listed on Final CD. Condition remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. On this loan the Loan Officer, XXXX left the company on XX/XX/XXXX. XXXX was assigned to the loan at that time. No changes were made to pricing and loan was already locked so this should be acceptable. Thanks!<br> No licensed activity was necessary.<br>- Buyer-02/06/2026 <br> Open-The loan originator is not authorized to do business in SC as of 2025-12-15. - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 |  | Resolved-lender provided updated 1003 to show LO was XXXX, who also ran compliance on the loan review, Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/03/2026 | XXXX |  |  | SC | Second Home | Purchase | NA | 7260921 | N/A | N/A |
| 58 | XXXX | XXXX |  |  | Closed | 2026-01-19 13:48 | 2026-01-22 16:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/19/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/19/2026<br>|  |  |  | TX | Second Home | Purchase | NA | 7169350 | Investor Post-Close | No |
| 60 | XXXX | XXXX |  |  | Closed | 2026-01-26 08:49 | 2026-02-13 16:46 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Reserves are sufficient, finding resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $38803.71 is equal to or greater than Total Required Reserve Amount of $18509.64 - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. U/W's response: 2 months statements provided for XXXX ending 12-25-25 balance $18,387 and #7036 ending 12-26-25 balance $20,376 for total assets of $38,763 less cash to close per CD of $XXXX leaving $XXXX for reserves. Request made to overturn finding. - Buyer-02/13/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $18427.59 is less than Total Required Reserve Amount of $18509.64 - Due Diligence Vendor-01/26/2026 |  | Resolved-Reserves are sufficient, finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $38803.71 is equal to or greater than Total Required Reserve Amount of $18509.64 - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | MO | Investment | Refinance | No Cash Out - Borrower Initiated | 7293660 | N/A | N/A |
| 60 | XXXX | XXXX |  |  | Closed | 2026-01-26 09:12 | 2026-02-13 16:46 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Reserves are sufficient, finding resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-Audited Reserves of 12.58 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. U/W's response: 2 months statements provided for XXXX ending 12-25-25 balance $18,387 and XXXX ending 12-26-25 balance $20,376 for total assets of $38,763 less cash to close per CD of $XXXX leaving $33,797 for reserves. Request made to overturn finding. - Buyer-02/13/2026 <br> Open-Audited Reserves of 5.97 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/26/2026 |  | Resolved-Reserves are sufficient, finding resolved. - Due Diligence Vendor-02/13/2026 <br>Resolved-Audited Reserves of 12.58 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | MO | Investment | Refinance | No Cash Out - Borrower Initiated | 7294135 | N/A | N/A |
| 62 | XXXX | XXXX |  |  | Closed | 2026-01-26 13:38 | 2026-02-11 16:17 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Loan file contains copy of Note and Mortgage Statement confirming the mortgage on the primary residence is in the non-borrowing spouse's name. Loan meets guides, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/10/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) statement is incomplete for primary property. - Due Diligence Vendor-01/26/2026 |  | Resolved-Loan file contains copy of Note and Mortgage Statement confirming the mortgage on the primary residence is in the non-borrowing spouse's name. Loan meets guides, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | GA | Investment | Refinance | Cash Out - Other | 7301607 | N/A | N/A |
| 66 | XXXX | XXXX |  |  | Closed | 2026-02-26 07:42 | 2026-02-26 07:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026<br>|  |  |  | AL | Primary Residence | Purchase | NA | 7820132 | Investor Post-Close | No |
| 82 | XXXX | XXXX |  |  | Closed | 2026-02-09 12:52 | 2026-02-09 12:56 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/09/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/09/2026<br>|  |  |  | NV | Primary Residence | Purchase | NA | 7521547 | Investor Post-Close | No |
| 83 | XXXX | XXXX |  |  | Closed | 2026-01-29 14:32 | 2026-02-19 13:50 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock date received, finding resolved. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/19/2026 <br> Counter-Proof of rate lock is required. Finding remains - Due Diligence Vendor-02/11/2026 <br> Ready for Review-This is a Smart Vest loan. Rate lock is not required on these loans - Buyer-02/10/2026 <br> Open-Missing evidence of rate lock - Due Diligence Vendor-01/29/2026 |  | Resolved-Rate lock date received, finding resolved. - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | MN | Investment | Purchase | NA | 7358698 | N/A | N/A |
| 85 | XXXX | XXXX |  |  | Closed | 2026-02-03 13:28 | 2026-02-03 13:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary Valuation available on page 616-636 - Due Diligence Vendor-02/03/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary Valuation available on page 616-636 - Due Diligence Vendor-02/03/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 7424395 | Investor Post-Close | No |
| 88 | XXXX | XXXX |  |  | Closed | 2026-02-26 22:26 | 2026-03-04 11:35 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender provided CPA letter for verification of employment for self-employed borrower. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. The attached CPA Letter is dated within 120 days of closing and confirms the borrower's employment. This was included in the original upload. Thank you - Buyer-03/03/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification that the borrower's business remains operational, within 20 calendar days of the Note Date XX/XX/XXXX. - Due Diligence Vendor-02/27/2026 |  | Resolved-Lender provided CPA letter for verification of employment for self-employed borrower. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | CA | Primary Residence | Purchase | NA | 7837382 | N/A | N/A |
| 88 | XXXX | XXXX |  |  | Closed | 2026-02-26 01:04 | 2026-02-26 01:04 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. - Due Diligence Vendor-02/26/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete ABA Disclosure is missing. - Due Diligence Vendor-02/26/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7815839 | Investor Post-Close | No |
| 93 | XXXX | XXXX |  |  | Closed | 2026-02-26 03:32 | 2026-02-26 03:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/26/2026<br>|  |  |  | NC | Investment | Purchase | NA | 7816495 | Investor Post-Close | No |
| 102 | XXXX | XXXX |  |  | Closed | 2026-01-23 06:17 | 2026-02-11 16:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Received copy of Borrower's ID, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/10/2026 <br> Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-01/23/2026 |  | Resolved-Received copy of Borrower's ID, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | MD | Investment | Purchase | NA | 7264723 | N/A | N/A |
| 108 | XXXX | XXXX |  |  | Closed | 2026-02-12 10:36 | 2026-02-12 10:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026<br>|  |  |  | CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7585799 | Investor Post-Close | No |
| 116 | XXXX | XXXX |  |  | Closed | 2026-02-11 09:51 | 2026-03-09 12:08 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Document provided, finding resolved - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. CD for XXXX- Buyer-03/06/2026 <br> Counter-The CD provided is for the subject property and not the property in question which is XXXX Condition remains. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/25/2026 <br> Open-The final HUD/Settlement Statement is missing. A property on XXXX was closing concurrently with the subject, but the final Closing Disclosure and/or settlement statement is missing from the file. It is currently unclear if this transaction is a purchase or a refinance. If it is a refinance involving the payoff of an existing mortgage, a Verification of Mortgage (VOM) is required. Notably, the appraisal lists this address as a closed comparable as of November 2025. - Due Diligence Vendor-02/11/2026 |  | Resolved-Document provided, finding resolved - Due Diligence Vendor-03/09/2026<br>| XXXX |  |  | OK | Investment | Purchase | NA | 7559976 | N/A | N/A |
| 121 | XXXX | XXXX |  |  | Closed | 2026-02-26 05:15 | 2026-03-31 06:48 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-Lender provided documentation of the appraisal delivery. - Due Diligence Vendor-03/11/2026 <br> Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached proof of appraisal delivery. Thank you - Buyer-03/10/2026 <br> Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely Delivery of Appraisal to borrower confirmation is missing. - Due Diligence Vendor-02/26/2026 |  | Resolved-Lender provided documentation of the appraisal delivery. - Due Diligence Vendor-03/11/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/11/2026<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 7817261 | N/A | N/A |
| 240 | XXXX | XXXX |  |  | Closed | 2026-01-27 08:00 | 2026-02-19 13:57 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Final Title received, finding resolved - Due Diligence Vendor-02/19/2026 <br> Resolved-Title Document is not Missing - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached title. - Buyer-02/19/2026 <br> Open-Title Document is missing - Due Diligence Vendor-01/27/2026 |  | Resolved-Final Title received, finding resolved - Due Diligence Vendor-02/19/2026 <br>Resolved-Title Document is not Missing - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | TX | Investment | Purchase | NA | 7309603 | N/A | N/A |
| 243 | XXXX | XXXX |  |  | Closed | 2026-01-26 03:09 | 2026-02-26 10:20 | Resolved | 1 - Information | Credit | Eligibility | Transaction Ineligible | Resolved-lender additional assets to meet requirements FICO 769, DTI 45, LTV 80, minimum reserves 70K, finding resolved. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached asset documentation. - Buyer-02/25/2026 <br> Counter-There is only one account being used which shows 143,347.00 - Cash to close $XXXX, unverified EMD $6,000 and balance-monthly of $2,508. Reserves of $48,035.96, which leaves the exception invalid due difference of $21964.04 short of 70K for reserves. Finding remains. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Per UW manager the compensating Factors: SLE approved based on the below parameters:<br> Minimum FICO: 769<br> Maximum DTI: 45<br> Maximum LTV: 80<br> Minimum Reserves: $70,000 - Buyer-02/13/2026 <br> Counter-Loan reflects assets of $143,347, Cash to close $XXXX, unverified EMD $6,000 and balance-monthly of $2,508. Reserves of $XXXX. Exception compensating factor minimum reserves of $70K required. Finding remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-UW response: Borrower needs $92,803.42 in assets + required reserves of $26,198.15, borrower has verified $XXXX in liquid assets, has sufficient asset for reserves. - Buyer-02/09/2026 <br> Open-AS per GLs non-per borrower with category of C09P are ineligible however lender provided exception for approving with some valid compensating factors. Minimum reserves requirements are not met - Due Diligence Vendor-01/26/2026 |  | Resolved-lender additional assets to meet requirements FICO 769, DTI 45, LTV 80, minimum reserves 70K, finding resolved. - Due Diligence Vendor-02/26/2026<br>| XXXX |  | Minimum FICO: 769 <br> Maximum DTI: 45 <br> Maximum LTV: 80 <br> Minimum Reserves: $70,000 | GA | Investment | Purchase | NA | 7290178 | N/A | N/A |
| 248 | XXXX | XXXX |  |  | Closed | 2026-01-28 17:15 | 2026-02-11 13:03 | Resolved | 1 - Information | Compliance | Closing | The Note is Not Executed | Resolved-Copy of signed Note received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-The Note is Executed - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Please see attached an executed Note - Buyer-02/03/2026 <br> Open-The Note is Not Executed by the Borrower. - Due Diligence Vendor-01/28/2026 |  | Resolved-Copy of signed Note received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-The Note is Executed - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7340634 | N/A | N/A |
| 249 | XXXX | XXXX |  |  | Closed | 2026-01-25 20:11 | 2026-03-27 11:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/26/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7287649 | Investor Post-Close | No |
| 249 | XXXX | XXXX |  |  | Closed | 2026-01-25 19:44 | 2026-02-19 07:31 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. signed icd - Buyer-02/18/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-Initial CD provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7287617 | N/A | N/A |
| 251 | XXXX | XXXX |  |  | Closed | 2026-03-05 09:15 | 2026-03-27 14:37 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-03/05/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-03/05/2026<br>|  |  |  | HI | Primary Residence | Purchase | No Cash Out - Borrower Initiated | 7943298 | Investor Post-Close | No |
| 252 | XXXX | XXXX |  |  | Closed | 2026-02-03 05:50 | 2026-02-03 05:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7412184 | Investor Post-Close | No |
| 254 | XXXX | XXXX |  |  | Closed | 2026-02-11 16:03 | 2026-03-09 11:58 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/09/2026 <br> Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. <br> Please see the below from our UW management: <br>I agree our guides do require the VOM for mortgages the borrower is obligated on. As there is no DRIVE alert that supports the borrower is not obligated on this note, so no VOM is required. <br>We did obtain the mortgage and we can see the borrower is not obligated on the note. This also matches back to the DRIVE report showing the borrower is not an obligee. <br>\*\*\*mortgage is attached along with UW managment's explanation. - Investor-03/09/2026 <br> Counter-Reviewed lender's rebuttal regarding alerts on the Drive report; however, despite the report not reflecting an alert, it does reflect an open mortgage for $XXXX on the borrower's primary residence. Lender's guidelines require a mortgage payment history or proof no payments are required. Finding remains - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Based on the attached from UW management, we would not dig further into the report. Please clear. - Buyer-03/03/2026 <br> Counter-Audit has reviewed the lender's rebuttal. However, per lender guidelines, all housing payment histories must be verified. Please provide documentation confirming the primary residence is either owned free and clear, a satisfactory 12-month mortgage history, or evidence that the borrower is not legally obligated on the note. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-UW response: Drive did not fire any alerts for an undisclosed mortgage and per leadership we would should not be reviewing or questioning any thing on the report that does not trigger an alert. - Investor-02/20/2026 <br> Open-Housing History Does Not Meet Guideline Requirements A satisfactory 12-month mortgage history for the borrower's primary residence cannot be verified. While the borrower is on title from 2024, the fraud report indicates a mortgage was originated in 2024 that does not appear on MERS. It is currently unclear if the property is owned free and clear, encumbered by a private lien, or if the borrower is not obligated on a note. - Due Diligence Vendor-02/11/2026 |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/09/2026 <br>Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7569291 | N/A | N/A |
| 254 | XXXX | XXXX |  |  | Closed | 2026-02-11 16:34 | 2026-02-26 15:43 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Established condo approval provided with no restrictions on LTV, condition resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Project was originally reviewed and approved on XX/XX/XXX as a full review at 75%LTV - not a limited review. Original project approval is in file that is not subject to the LTV limitations. Limited review was updated due to PRD conditions re-firing when the LTV was changed. The full approval at the higher LTV is still applicable. - Buyer-02/20/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% According to the Project Approval Letter, projects In Florida are limited to a maximum 70% LTV. - Due Diligence Vendor-02/11/2026 |  | Resolved-Established condo approval provided with no restrictions on LTV, condition resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Audited LTV of 75% is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-02/26/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7570324 | N/A | N/A |
| 257 | XXXX | XXXX |  |  | Closed | 2026-01-23 01:48 | 2026-02-17 08:20 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-There is proof of payments on 2 personal installment loans thru the bank statements, finding resolved. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Per our UW manager If we are including the payment based on the bank statement which would be worst case the balance would not needed to be verified. Even if they were installment loans with less than 10 we are including them in the DTI which is the most conservative method. <br>- Buyer-02/13/2026 <br> Counter-Need proof of the 2 personal loans to verify the payment and balance, condition remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Per UW manager reoccurring debt in their xxx statements for these amounts and did worse case and hit the with the debt in liabilities. - Buyer-02/05/2026 <br> Open-Missing proof of two installment accounts considered in final application. - Due Diligence Vendor-01/23/2026 |  | Resolved-There is proof of payments on 2 personal installment loans thru the bank statements, finding resolved. - Due Diligence Vendor-02/17/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7262307 | N/A | N/A |
| 259 | XXXX | XXXX |  |  | Closed | 2026-01-27 08:48 | 2026-02-04 17:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-ID received. Resolved. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached ID. - Buyer-01/30/2026 <br> Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-01/27/2026 |  | Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/04/2026<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 7310533 | N/A | N/A |
| 259 | XXXX | XXXX |  |  | Closed | 2026-01-27 12:34 | 2026-01-27 12:34 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2026<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 7316543 | Investor Post-Close | No |
| 260 | XXXX | XXXX |  |  | Closed | 2026-03-05 11:25 | 2026-03-11 16:06 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved- - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Lender provided mortgage statement for REO property 3C - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. mtg stmt and taxes - Buyer-03/11/2026 <br> Open-Kindly provide the supporting documents for 3C section REO property - Due Diligence Vendor-03/05/2026 |  |  | XXXX |  |  | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 7948238 | N/A | N/A |
| 264 | XXXX | XXXX |  |  | Closed | 2026-02-03 06:03 | 2026-02-03 06:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026<br>|  |  |  | DC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7412310 | Investor Post-Close | No |
| 267 | XXXX | XXXX |  |  | Closed | 2026-03-12 11:47 | 2026-03-12 11:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br>Waived-Audited CLTV of 80% exceeds Guideline CLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026<br>|  |  | minimum reserves $500,000<br> FICO above minimum required | CA | Primary Residence | Purchase | NA | 8075666 | Originator Pre-Close | Yes |
| 267 | XXXX | XXXX |  |  | Closed | 2026-03-12 11:47 | 2026-03-12 11:51 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br>Waived-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026<br>|  |  | minimum reserves $500,000<br> FICO above minimum required | CA | Primary Residence | Purchase | NA | 8075667 | Originator Pre-Close | Yes |
| 267 | XXXX | XXXX |  |  | Closed | 2026-03-12 11:47 | 2026-03-12 11:50 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br>Waived-Audited LTV of 80% exceeds Guideline LTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026<br>|  |  | minimum reserves $500,000<br> FICO above minimum required | CA | Primary Residence | Purchase | NA | 8075668 | Originator Pre-Close | Yes |
| 268 | XXXX | XXXX |  |  | Closed | 2026-01-25 10:19 | 2026-02-26 11:37 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-lender provided additional assets to cover reserves. Finding resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Audited Reserves of 57.34 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. xxx statement - Buyer-02/25/2026 <br> Open-Audited Reserves of 5.78 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves of 5.67 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/25/2026 |  | Resolved-lender provided additional assets to cover reserves. Finding resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Audited Reserves of 57.34 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/26/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7284282 | N/A | N/A |
| 268 | XXXX | XXXX |  |  | Closed | 2026-01-25 10:19 | 2026-02-26 11:37 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-lender provided additional assets to cover reserves. Finding resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $592419.91 is equal to or greater than Total Required Reserve Amount of $61995.48 - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. XXXX bank statements - Buyer-02/26/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $59756.71 is less than Total Required Reserve Amount of $61995.48 - Due Diligence Vendor-01/25/2026 |  | Resolved-lender provided additional assets to cover reserves. Finding resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $592419.91 is equal to or greater than Total Required Reserve Amount of $61995.48 - Due Diligence Vendor-02/26/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7284283 | N/A | N/A |
| 273 | XXXX | XXXX |  |  | Closed | 2026-01-28 08:21 | 2026-02-27 16:55 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Based on the FEMA Flood Map Service, the property falls within Flood Zone X. Vendor confirmed the data is accurate. Finding Resolved. - Due Diligence Vendor-02/27/2026 <br> Counter-Received Flood Cert which has 1.2, with 4 Word 'NONE', it appears Flood Zone is marked in the wrong area with X in 5. Per Appraisal shows FEMA Flood Zone X, FEMA Map #XXXX FEMA Map Date 05/04/2009, so the Flood Cert does not match the info on the Appraisal. Finding remains. <br>- Due Diligence Vendor-02/18/2026 <br> Ready for Review-The Flood cert was disputed and we provided the flood cert from corelogic with their comments. The community is the XXXX Please escalate and advise what can be provided to clear this. - Buyer-02/17/2026 <br> Counter-Received Flood Cert. It is the same document that was in file. Section B: box 1, 2 and 4 are not completed. However, the Appraisal had a map #, map date and flood zone. Not sure on "see their comments, Dispute request for Certification XXXX is complete". No comments were provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. flood cert attached , see their comments, Dispute request for Certification XXXX is complete. - Buyer-02/11/2026 <br> Open-Flood Certificate is Partially Provided Document missing information of. NFIP Map Number, NFIP Map Panel Date, Flood Program Type, NFIP community number - Due Diligence Vendor-01/28/2026 |  | Resolved-Based on the FEMA Flood Map Service, the property falls within Flood Zone X. Vendor confirmed the data is accurate. Finding Resolved. - Due Diligence Vendor-02/27/2026<br>| XXXX |  |  | TN | Primary Residence | Purchase | NA | 7327877 | N/A | N/A |
| 274 | XXXX | XXXX |  |  | Closed | 2026-02-19 06:10 | 2026-03-04 08:11 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Lender provided explanation for NONE placed on Flood certificate, the area is unmapped by FEMA Section II.B.4 in accordance with <br> the instructions to the Standard Flood Hazard Determination Form, Finding resolved - Due Diligence Vendor-03/04/2026 <br> Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. I have attached the response from XXXX stating: Thank you for your email. In the event that a property is located in an area that is not mapped by FEMA, we enter "NONE" in Section II.B.4 in accordance with the instructions to the Standard Flood Hazard Determination Form. Since the area is un-mapped and there is no flood zone attributable to the property, the federal mandatory purchase of flood insurance requirement does not apply. See Section II.D of the determination form. However, the fact that this area is unmapped means that the flood risk is unknown. Therefore, you may still wish to consider the benefits of requiring flood insurance pursuant to your rights under the mortgage agreement. There are relatively few areas in the United States that remain unmapped by FEMA, so hopefully you will not observe many "Zone NONE" determinations. Should you wish to dispute the determination that a property is in an area unmapped by FEMA and therefore in "Zone NONE," we may initiate a dispute and one of our Dispute Resolution Specialists may review the matter for you. Please let us know if we can be of further assistance.<br>Please advise what your need to clear this one. - Buyer-03/02/2026 <br> Open-Flood Certificate is Partially Provided - Due Diligence Vendor-02/19/2026 |  | Resolved-Lender provided explanation for NONE placed on Flood certificate, the area is unmapped by FEMA Section II.B.4 in accordance with <br> the instructions to the Standard Flood Hazard Determination Form, Finding resolved - Due Diligence Vendor-03/04/2026 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7692678 | N/A | N/A |
| 276 | XXXX | XXXX |  |  | Closed | 2026-01-25 06:34 | 2026-02-13 15:22 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Received valid photo ID for borrower. Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. ID - Buyer-02/12/2026 <br> Counter-Lender submitted photo ID for non-borrowing spouse; however, missing valid photo ID for the borrower. Finding remains - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. ID updated - Buyer-02/11/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Borrower 1 Photo ID is expired - Due Diligence Vendor-01/25/2026 |  | Resolved-Received valid photo ID for borrower. Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/13/2026 | XXXX |  |  | FL | Investment | Purchase | NA | 7283988 | N/A | N/A |
| 277 | XXXX | XXXX |  |  | Closed | 2026-02-12 12:14 | 2026-02-25 14:51 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Valid driver license for B2 provided, Finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. 2nd borrower ID - Buyer-02/24/2026 <br> Open-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. B2 ID info updated as per document. - Due Diligence Vendor-02/12/2026 |  | Resolved-Valid driver license for B2 provided, Finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/25/2026 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7587885 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 11:23 | 2026-02-13 13:12 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved- - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Finding invalid. Page 5 of the Final CD, page 694 of package provided for review, shows final charge of $723,499.19. - Buyer-02/11/2026 <br> Open-The disclosed finance charge ($0.00) is ($XXXX) below the actual finance charge($XXXX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved- - Due Diligence Vendor-02/13/2026 <br>Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 7315195 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 11:23 | 2026-02-13 13:12 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved- - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Finding invalid. Final CD, pages 690-695, shows consummation of XX/XX/XXXX, which is more than 3 business days after the initial CD, pages 697-702, with a signature date of 1/9/2026. - Seller-02/11/2026 <br> Open-You submitted a Prior Closing Disclosure Received Date (XX/XX/XXXX) earlier than the Prior Closing Disclosure Date Issued (XX/XX/XXXX). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 | Ready for Review-Finding invalid. Final CD, pages 690-695, shows consummation of XX/XX/XXXX, which is more than 3 business days after the initial CD, pages 697-702, with a signature date of XX/XX/XXXX. - Seller-02/11/2026 | Resolved- - Due Diligence Vendor-02/13/2026 <br>Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 7315196 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 11:23 | 2026-02-13 13:11 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Business Day Waiting Period Date Warnings (Investment Property Warning) | Resolved- - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Finding invalid. Final CD, pages 690-695, shows consummation of XX/XX/XXXX, which is more than 3 business days after the initial CD, pages 697-702, with a signature date of XX/XX/XXXX. - Buyer-02/11/2026 <br> Open-You submitted a Last Closing Disclosure Received Date (XX/XX/XXXX) earlier than the Last Closing Disclosure Date Issued (XX/XX/XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved- - Due Diligence Vendor-02/13/2026 <br>Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 7315197 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 11:23 | 2026-02-13 13:11 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Finding invalid. Transfer tax on the initial LE was $3017.15. Transfer tax paid at closing $2955.50. Borrower paid less than initially disclosed. - Buyer-02/11/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 7315198 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 11:23 | 2026-02-13 13:11 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Finding invalid. Transfer tax on the initial LE was $3017.15. Transfer tax paid at closing $2955.50. Borrower paid less than initially disclosed. - Investor-02/11/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 7315200 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 11:23 | 2026-02-13 13:10 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved- - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/13/2026 <br> Ready for Review- Finding invalid. Page 5 of the Final CD, page 694 of package provided for review, shows a TOP of $XXXX. - Buyer-02/11/2026 <br> Open-The disclosed Total of Payments ($0.00) is understated by more than $100 when compared to the actual Total of Payments ($XXXX). The difference is ($XXXX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $100. (12 CFR 1026.38(o)(1)) - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved- - Due Diligence Vendor-02/13/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/13/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 7315201 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 11:23 | 2026-02-13 13:10 | Resolved | 1 - Information | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved- - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Finding invalid. Page 5 of the Final CD, page 694 of package provided for review, shows a Finance Charge of $XXXX Buyer-02/11/2026 <br> Open-The disclosed APR (0.0) is lower than the actual APR (6.944) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved- - Due Diligence Vendor-02/13/2026 <br>Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 7315202 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 11:23 | 2026-02-13 13:10 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Business Day Waiting Period Date Warnings (Investment Property Warning) | Resolved- - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Finding invalid. Final CD, pages 690-695, shows consummation of XX/XX/XXXX, which is more than 3 business days after the initial CD, pages 697-702, with a signature date of XX/XX/XXXX. - Investor-02/11/2026 <br> Open-You submitted a Prior Closing Disclosure Received Date (XX/XX/XXXX) earlier than the Prior Closing Disclosure Date Issued (XX/XX/XXXX). The System cannot perform a Reg Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved- - Due Diligence Vendor-02/13/2026 <br>Resolved-Resolved. Legible Final CD provided. - Due Diligence Vendor-02/13/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 7315199 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 11:23 | 2026-02-13 13:04 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Resolved - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Finding invalid. Final CD, pages 690-695, shows consummation of XX/XX/XXXX, which is more than 3 business days after the initial CD, pages 697-702, with a signature date of XX/XX/XXXX<br>- Investor-02/11/2026 <br> Open-You submitted a Last Closing Disclosure Received Date (XX/XX/XXXX) earlier than the Last Closing Disclosure Date Issued (XX/XX/XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(f); 1026.22(a)(2)) - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Resolved - Due Diligence Vendor-02/13/2026<br>|  |  |  | FL | Investment | Refinance | Cash Out - Other | 7315194 | N/A | N/A |
| 280 | XXXX | XXXX |  |  | Closed | 2026-01-27 10:47 | 2026-02-13 13:04 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. I have attached a signed copy of the final CD as well as the unsigned copy that was sent to closing, which is clear. - Investor-02/11/2026 <br> Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure is not clear. - Due Diligence Vendor-01/27/2026 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 7314346 | N/A | N/A |
| 283 | XXXX | XXXX |  |  | Closed | 2026-02-11 20:26 | 2026-03-05 12:48 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Received valid Evidence of Good Standing, finding resolved. - Due Diligence Vendor-03/05/2026 <br> Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days is within guidelines. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. secretary of state - Buyer-03/05/2026 <br> Counter-The document provided contains a date of XX/XX/XXXX and the Note is dated XX/XX/XXXX. The document age of 189 days exceeds maximum of 120 days. Finding remains - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. cogs - Buyer-02/18/2026 <br> Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. The business status printout from the State is not dated. - Due Diligence Vendor-02/12/2026 |  | Resolved-Received valid Evidence of Good Standing, finding resolved. - Due Diligence Vendor-03/05/2026 <br> Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days is within guidelines. - Due Diligence Vendor-03/05/2026 | XXXX |  |  | NC | Investment | Refinance | No Cash Out - Borrower Initiated | 7574641 | N/A | N/A |
| 286 | XXXX | XXXX |  |  | Closed | 2026-01-26 09:24 | 2026-02-13 14:43 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Homeownership Counseling provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Please see attached copy of homeownership counseling list that was sent with the initial disclosures on XX/XX/XXXX. I have also provided a copy of the audit trails showing the initial disclosure were delivered on XX/XX/XXXX. - Buyer-02/10/2026 <br> Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | P82 | XXXX |  |  | FL | Primary Residence | Purchase | NA | 7294410 | N/A | N/A |
| 289 | XXXX | XXXX |  |  | Closed | 2026-01-20 07:25 | 2026-02-10 12:29 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Boilers inspection letter provided, job completed, finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached letter from inspecting plumber. - Buyer-02/05/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-01/20/2026 |  | Resolved-Boilers inspection letter provided, job completed, finding resolved. - Due Diligence Vendor-02/10/2026 <br>Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7176841 | N/A | N/A |
| 289 | XXXX | XXXX |  |  | Closed | 2026-01-20 12:47 | 2026-02-10 12:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase Contract provided. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Please see attached purchase contract. - Buyer-01/26/2026 <br> Open-Missing Purchase Contract - Due Diligence Vendor-01/20/2026 |  | Resolved-Purchase Contract provided. - Due Diligence Vendor-01/27/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7184919 | N/A | N/A |
| 291 | XXXX | XXXX |  |  | Closed | 2026-02-19 09:41 | 2026-03-04 08:24 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Appraisal was subject to inspection, per page 42-Evidence of dampness was observed in the basement, exterior front xxx and on the front basement foundation walls. A satisfactory structural inspection by a qualified professional is required to determine whether the noted issues impact the structural integrity of the dwelling. Lender provided Structural Report of inspection-review are-Structurally Adequate. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. appraisal report which was made subject to a satisfactory inspection for dampness and settlement. Please also refer to the attached structural inspection report from the file confirming that the dampness is normal with no significant water infiltration, and that the foundation is in good condition with no settlement. A 1004D is not required. - Buyer-03/02/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis 1004D is missing - Due Diligence Vendor-02/19/2026 |  | Resolved-Appraisal was subject to inspection, per page 42-Evidence of dampness was observed in the basement, exterior front xxx and on the front basement foundation walls. A satisfactory structural inspection by a qualified professional is required to determine whether the noted issues impact the structural integrity of the dwelling. Lender provided Structural Report of inspection-review are-Structurally Adequate. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-03/04/2026 | XXXX |  |  | PA | Investment | Purchase | NA | 7698565 | N/A | N/A |
| 291 | XXXX | XXXX |  |  | Closed | 2026-02-24 21:21 | 2026-02-24 21:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/25/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/25/2026<br>|  |  |  | PA | Investment | Purchase | NA | 7790275 | Investor Post-Close | No |
| 294 | XXXX | XXXX |  |  | Closed | 2026-03-06 07:50 | 2026-03-11 18:05 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided the initial CD and proof of electronic receipt - Due Diligence Vendor-03/11/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached copy of ICD and ICD tracking showing the document was sent to the borrower via USPS on 02-04-26. - Buyer-03/11/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX Borrower acknowledged receipt of initial C.D. on XX/XX/XXXX which is less than 3 business days prior to consummation. No Cure.<br> - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 |  | Resolved-Lender provided the initial CD and proof of electronic receipt - Due Diligence Vendor-03/11/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/11/2026<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7969531 | N/A | N/A |
| 294 | XXXX | XXXX |  |  | Closed | 2026-03-06 08:02 | 2026-03-06 08:02 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7969787 | Investor Post-Close | No |
| 296 | XXXX | XXXX |  |  | Closed | 2026-01-27 12:21 | 2026-03-04 08:33 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Lender provides complete 1004D/442 form from the original appraiser. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. 1004d - Buyer-03/02/2026 <br> Counter-Provide complete 1004D/442 form from the original appraiser. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-pictures show the fixed windows - Buyer-02/13/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. 1104d - Buyer-02/11/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis 1004D Missing in the File. - Due Diligence Vendor-01/27/2026 |  | Resolved-Lender provides complete 1004D/442 form from the original appraiser. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 7316319 | N/A | N/A |
| 297 | XXXX | XXXX |  |  | Closed | 2026-02-04 05:25 | 2026-02-24 13:06 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided the COC., Re-enter fees on the Post Close, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. invalid; COC form from XX/XX/XXXX states that it went from lender credit to Discount fee of 1960 due to loan amount change and lock expiration date - Investor-02/20/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($45.00) were applied to the total fee variance of ($1,686.50) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. As per COC dated XX/XX/XXXX page 213 Lender credit Decreased from $3,000.00 to $1,960.00. However, while checking Revised CD dated XX/XX/XXXX page 255 there is no Lender credit given. Hence TILA is failing condition kept open. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Lender provided the COC., Re-enter fees on the Post Close, finding resolved. - Due Diligence Vendor-02/24/2026<br>| XXXX |  |  | CA | Investment | Purchase | NA | 7431989 | N/A | N/A |
| 297 | XXXX | XXXX |  |  | Closed | 2026-02-04 05:25 | 2026-02-24 13:06 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided the COC., Re-enter fees on the Post Close, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. invalid; COC form from XX/XX/XXXX states that it went from lender credit to Discount fee of 1960 due to loan amount change and lock expiration date - Buyer-02/20/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($45.00) were applied to the total fee variance of ($1,686.50) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. As per COC dated XX/XX/XXXX page 213 Lender credit Decreased from $3,000.00 to $1,960.00. However, while checking Revised CD dated XX/XX/XXXX page 255 there is no Lender credit given. Hence TILA is failing condition kept open. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Lender provided the COC., Re-enter fees on the Post Close, finding resolved. - Due Diligence Vendor-02/24/2026<br>| XXXX |  |  | CA | Investment | Purchase | NA | 7431988 | N/A | N/A |
| 298 | XXXX | XXXX |  |  | Closed | 2026-03-06 13:23 | 2026-03-06 13:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/06/2026<br>|  |  |  | TX | Primary Residence | Purchase | NA | 7977375 | Investor Post-Close | No |
| 300 | XXXX | XXXX |  |  | Closed | 2026-01-24 22:13 | 2026-04-03 16:00 | Acknowledged | 2 - Non-Material | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Acknowledged-Other Property Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX However, the Disbursement Date after the Note Date of XX/XX/XXXX. - Due Diligence Vendor-01/25/2026 |  | Acknowledged-Other Property Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX However, the Disbursement Date after the Note Date of XX/XX/XXXX. - Due Diligence Vendor-01/25/2026 |  |  | 803 credit score exceeds guideline minimum of 700<br> 16.33 mths PITI reserves exceeds the guideline minimum of 6 months. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7283524 | Investor Post-Close | No |
| 300 | XXXX | XXXX |  |  | Closed | 2026-01-24 22:18 | 2026-01-24 22:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/25/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/25/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7283531 | Investor Post-Close | No |
| 306 | XXXX | XXXX |  |  | Closed | 2026-02-19 08:57 | 2026-03-03 16:18 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is missing Title has been provided. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached title. - Buyer-02/27/2026 <br> Open-Title Document is missing. - Due Diligence Vendor-02/19/2026 |  | Resolved-Title Document is missing Title has been provided. Finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7697079 | N/A | N/A |
| 310 | XXXX | XXXX |  |  | Closed | 2026-03-10 16:33 | 2026-03-13 10:43 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. initial docs - Buyer-03/13/2026 <br> Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice is missing - Due Diligence Vendor-03/11/2026 |  | Resolved-Privacy Notice provided. - Due Diligence Vendor-03/13/2026<br>| XXXX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 8031538 | N/A | N/A |
| 310 | XXXX | XXXX |  |  | Closed | 2026-03-10 16:36 | 2026-03-13 10:39 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. initial docs - Buyer-03/13/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-03/11/2026 |  | Resolved-Disclosure provided. - Due Diligence Vendor-03/13/2026<br>| XXXX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 8031578 | N/A | N/A |
| 312 | XXXX | XXXX |  |  | Closed | 2026-01-24 04:37 | 2026-02-10 12:20 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided CD for XXXX to show P&I payment and escrows match Lender's calculations, finding resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. CD for XXXX - Buyer-02/04/2026 <br> Open-For investment properties: XXXX , loan (xxx - XXXX), supporting documents missing in file.<br> - Due Diligence Vendor-01/24/2026 |  | Resolved-Lender provided CD for XXXX to show P&I payment and escrows match Lender's calculations, finding resolved. - Due Diligence Vendor-02/10/2026 | XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7282406 | N/A | N/A |
| 312 | XXXX | XXXX |  |  | Closed | 2026-01-24 03:05 | 2026-02-10 12:18 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Updated HOI policy received, finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Hazard Insurance Expiration Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. updated hoi policy - Buyer-02/09/2026 <br> Open-Hazard Insurance Expiration Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Renewal hazard policy is missing. - Due Diligence Vendor-01/24/2026 |  | Resolved-Updated HOI policy received, finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Hazard Insurance Expiration Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/10/2026 | XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7282310 | N/A | N/A |
| 312 | XXXX | XXXX |  |  | Closed | 2026-01-24 04:21 | 2026-01-24 04:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. There is no variance. - Due Diligence Vendor-01/24/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. There is no variance. - Due Diligence Vendor-01/24/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7282390 | Investor Post-Close | No |
| 313 | XXXX | XXXX |  |  | Closed | 2026-02-20 14:56 | 2026-03-05 13:15 | Waived | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. SLE - Buyer-03/05/2026 <br>Open-Total Qualified Assets for Reserves Post-Close of $698.85 is less than Total Required Reserve Amount of $35731.62 - Due Diligence Vendor-02/20/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/05/2026<br>| XXXX |  | Comp factors: 738 FICO > 720 minimum, 1.25% DSCR, 82.82% LTV < 85% maximum | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 7729760 | Originator Pre-Close | Yes |
| 313 | XXXX | XXXX |  |  | Closed | 2026-02-20 15:02 | 2026-03-05 13:13 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of 0.12 month(s) are less than Guideline Required Reserves of 6 month(s) Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. SLE - Buyer-03/05/2026 <br>Open-Audited Reserves of 0.12 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/20/2026 |  | Waived-Audited Reserves of 0.12 month(s) are less than Guideline Required Reserves of 6 month(s) Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/05/2026<br>| XXXX |  | Comp factors: 738 FICO > 720 minimum, 1.25% DSCR, 82.82% LTV < 85% maximum | MA | Investment | Refinance | No Cash Out - Borrower Initiated | 7729841 | Originator Pre-Close | Yes |
| 325 | XXXX | XXXX |  |  | Closed | 2026-01-20 11:01 | 2026-03-05 10:16 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lender provided a letter from the lender stating the previous mortgage was paid in February 2024 and the line of credit was reflected on the credit report. Finding resolved. - Due Diligence Vendor-03/05/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. 12mos payments on the private mortgage, showing paid as agreed - Buyer-03/03/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing payment history from private individual for primary residence. - Due Diligence Vendor-01/20/2026 |  | Resolved-Lender provided a letter from the lender stating the previous mortgage was paid in February 2024 and the line of credit was reflected on the credit report. Finding resolved. - Due Diligence Vendor-03/05/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/05/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7182118 | N/A | N/A |
| 326 | XXXX | XXXX |  |  | Closed | 2025-12-19 06:56 | 2026-02-05 12:47 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-11/26/2025 COC received. Issue resolved. - Due Diligence Vendor-02/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. coc - Investor-02/02/2026 <br> Counter- - Due Diligence Vendor-01/21/2026 <br> Ready for Review-The COC and LE provided are dated XX/XX/XXXX. The XX/XX/XXXX LE does not show the fee increase. The fee increase appears on the XX/XX/XXXX CD. A review of the pricing history and rate lock disclosures confirms the XX/XX/XXXX CD is the disclosure missing a COC. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-please advise what else is needed. The conditions were moved back to open with no response from your company. - Buyer-01/20/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Ready for Review-Document Uploaded. le 110825 - Buyer-01/12/2026 <br> Counter-Change of Circumstance from provided; please provide LE dated within 3 business days of the Change of Circumstance; condition remains. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. coc - Buyer-01/08/2026 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($174.00) were applied to the total fee variance of ($377.97) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated (XX/XX/XXXX, reflects a (Loan Amount points) of ($2929). The (final / post-closing) CD dated (XX/XX/XXXX) reflects a (Fee name) of ($3,685.97). The loan file did not contain a valid COC to support the increase. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Resolved-11/26/2025 COC received. Issue resolved. - Due Diligence Vendor-02/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/05/2026 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 6701747 | N/A | N/A |
| 326 | XXXX | XXXX |  |  | Closed | 2025-12-19 06:56 | 2026-02-05 12:47 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-11/26/2025 COC received. Issue resolved. - Due Diligence Vendor-02/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. coc - Buyer-02/02/2026 <br> Counter-The COC and LE provided are dated XX/XX/XXXX. The XX/XX/XXXX LE does not show the fee increase. The fee increase appears on the 11/26/2025 CD. A review of the pricing history and rate lock disclosures confirms the XX/XX/XXXX CD is the disclosure missing a COC. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-please advise what else is needed. The conditions were moved back to open with no response from your company. - Buyer-01/20/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Ready for Review-Document Uploaded. LE XXXX - Investor-01/12/2026 <br> Counter-Change of Circumstance from provided; please provide LE dated within 3 business days of the Change of Circumstance; condition remains. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. coc - Buyer-01/08/2026 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($174.00) were applied to the total fee variance of ($377.97) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated (XX/XX/XXXX), reflects a (Loan Amount points) of ($2929). The (final / post-closing) CD dated (XX/XX/XXXX) reflects a (Fee name) of ($3,685.97). The loan file did not contain a valid COC to support the increase. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Resolved-11/26/2025 COC received. Issue resolved. - Due Diligence Vendor-02/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/05/2026 | XXXX |  |  | TX | Primary Residence | Purchase | NA | 6701746 | N/A | N/A |
| 327 | XXXX | XXXX |  |  | Closed | 2026-02-19 08:44 | 2026-03-11 17:55 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided the COC information. - Due Diligence Vendor-03/11/2026 <br> Counter- - Due Diligence Vendor-03/11/2026 <br> Counter-Further review of Fees, there was a COC on XX/XX/XXXX for Rate locked, which change the lender credit of $8653.01, however it did not show which fees were affected at that time, Broker Fee of 10192.00 was added, Committee Rate(Lock) changed from 999-1250, Appraisal fee changed from 550 to 755 and Recording fee was changed from 274-600. Condition remains. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Response from Operations Team: Title fees are not subject to any tolerance as borrower did not use the same title company as xxx; if investor is citing a different fee; we need a clarification on exactly what is being requested. - Investor-03/02/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,274.00) were applied to the total fee variance of ($11,036.60) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. <br> Change of Circumstance was issued for Initial CD dated XX/XX/XXXX for the change in Discount points from XXXX to 8653.01, however it did not shows what fees were affected by this change, which Attorney's Fees - Borrower Chosen fees were added of $3000.00, and Final CD dated XX/XX/XXXX shows an increase in Lender's Title Policy, Recording Service Fee, Title Endorsement Fee, Title Examination with no change in circumstances. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-Lender provided the COC information. - Due Diligence Vendor-03/11/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7696755 | N/A | N/A |
| 327 | XXXX | XXXX |  |  | Closed | 2026-02-19 08:44 | 2026-03-11 17:55 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided the COC information. - Due Diligence Vendor-03/11/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Response from our Operations Team: <br> Admin fee was increased on XX/XX/XXXX by COC team due to product change(COC was in file and is attached here)<br> Origination fee was added back on XX/XX/XXXX (not XX/XX/XXXX) and COC is attached and uploaded(was in file)<br> Appraisal fee was increased by COC team on XX/XX/XXXX (not closing) and CURE IS required for that fee<br> Recording fee baseline was never reset(it showed as 274 on final docs) page attached<br> Lender credit change was shown on COC from XX/XX/XXXX<br> - Investor-03/11/2026 <br> Counter-Further review of Fees, there was a COC on XX/XX/XXXX for Rate locked, which change the lender credit of $8653.01, however it did not show which fees were affected at that time, Broker Fee of 10192.00 was added, Committee Rate(Lock) changed from 999-1250, Appraisal fee changed from 550 to 755 and Recording fee was changed from 274-600. Condition remains. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Response from Operations Team: Title fees are not subject to any tolerance as borrower did not use the same title company as xxx; if investor is citing a different fee; we need a clarification on exactly what is being requested. - Investor-03/02/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,274.00) were applied to the total fee variance of ($11,036.60) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. <br> Change of Circumstance was issued for Initial CD dated XX/XX/XXXX for the change in Discount points from XXXX to 8653.01, however it did not shows what fees were affected by this change, which Attorney's Fees - Borrower Chosen fees were added of $3000.00, and Final CD dated XX/XX/XXXX shows an increase in Lender's Title Policy, Recording Service Fee, Title Endorsement Fee, Title Examination with no change in circumstances. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-Lender provided the COC information. - Due Diligence Vendor-03/11/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/11/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7696754 | N/A | N/A |
| 327 | XXXX | XXXX |  |  | Closed | 2026-01-26 23:45 | 2026-02-19 10:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-B1 Driver's License provided. Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Patriot Form is not required if ID is in the file. (Attached) - Buyer-02/18/2026 <br> Open-Missing Borrower Identification - Borrower 1. B1 is a US Citizen and completed Patriot Act Form not in file - Due Diligence Vendor-01/27/2026 |  | Resolved-B1 Driver's License provided. Finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7306242 | N/A | N/A |
| 327 | XXXX | XXXX |  |  | Closed | 2026-01-27 12:37 | 2026-02-19 10:12 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026 <br> Resolved- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Please provide clarification regarding what disclosure you are seeing the increase on. - Investor-02/18/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees, Appraisal Field Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). COC is missing - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7316587 | N/A | N/A |
| 327 | XXXX | XXXX |  |  | Closed | 2026-01-27 12:37 | 2026-02-19 10:12 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026 <br> Resolved- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-The XX/XX/XXXX CD shows that $300 was borrower paid and $300 was lender paid. - Investor-02/18/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open-The total amount of the 10% category fees ($600.00) has increased by more than 10% over the current baseline value of ($274.00). The total amount of fees in the 10% category cannot exceed ($301.40). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). COC is missing - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7316586 | N/A | N/A |
| 327 | XXXX | XXXX |  |  | Closed | 2026-01-27 12:37 | 2026-02-19 10:11 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026 <br> Resolved- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-The XX/XX/XXXX CD shows that $300 was borrower paid and $300 was lender paid. - Investor-02/18/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($600.00) has increased by more than 10% over the current baseline value of ($274.00). The total amount of fees in the 10% category cannot exceed ($301.40). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The Loan Estimate, dated (XX/XX/XXXX), reflects the baseline 10% fees at 110% as ($274). The 10% fees reflected on the (Final / Post-Closing) CD dated (XX/XX/XXXX) total ($600). The loan file did not contain a valid COC to support the increase.] No evidence of a tolerance cure was provided in file. A tolerance cure of ($11,036.60) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7316585 | N/A | N/A |
| 327 | XXXX | XXXX |  |  | Closed | 2026-01-27 12:37 | 2026-02-19 10:11 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026 <br> Resolved- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Please provide clarification as no CD was issued on XX/XX/XXXX. - Buyer-02/18/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Appraisal Field Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The (Fee name) increased on the CD dated (XX/XX/XXXX) without a valid COC. No Cure. - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-01/27/2026 |  | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7316588 | N/A | N/A |
| 327 | XXXX | XXXX |  |  | Closed | 2026-02-07 03:44 | 2026-02-19 10:11 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026 <br> Resolved- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached esigned XX/XX/XXXX LE. The LE was sent on XX/XX/XXXX and signed the same date. - Seller-02/18/2026 <br> Open-You submitted a Last Loan Estimate Received Date (XX/XX/XXXX) earlier than the Last Loan Estimate Date (XX/XX/XXXX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (12 CFR 1026.17(f); 1026.37; 1026.19(e)) y - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/07/2026 | Ready for Review-Document Uploaded. Please see attached esignedXX/XX/XXXX LE. The LE was sent on XX/XX/XXXX and signed the same date. - Seller-02/18/2026 | Resolved-Re-ran Mavent, Finding resolved - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7503006 | N/A | N/A |
| 330 | XXXX | XXXX |  |  | Closed | 2026-03-06 10:36 | 2026-03-11 12:56 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Note received - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. Note for XXXX - Buyer-03/11/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing final closing disclosure or Note for the recent refinance with the current lender for property located on XXXX Street. - Due Diligence Vendor-03/06/2026 |  | Resolved-Note received - Due Diligence Vendor-03/11/2026<br>| XXXX |  |  | NJ | Investment | Refinance | No Cash Out - Borrower Initiated | 7973817 | N/A | N/A |
| 331 | XXXX | XXXX |  |  | Closed | 2026-02-13 09:09 | 2026-02-20 14:25 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-Proof of RESPA: Toolkit provided. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. home loan toolkit - Buyer-02/20/2026 <br> Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-02/13/2026 |  | Resolved-Proof of RESPA: Toolkit provided. Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7608269 | N/A | N/A |
| 331 | XXXX | XXXX |  |  | Closed | 2026-02-13 09:09 | 2026-02-20 14:25 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. proof of delivery to the borrower - Buyer-02/20/2026 <br> Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/13/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7608268 | N/A | N/A |
| 332 | XXXX | XXXX |  |  | Closed | 2026-01-23 12:08 | 2026-02-02 20:05 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Section F data adjusted. Issue rescinded - Due Diligence Vendor-02/03/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Please provide clarification Initial LE and consummation CD have the Transfer Tax disclosed at $1200. - Buyer-01/29/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 |  | Resolved-Section F data adjusted. Issue rescinded - Due Diligence Vendor-02/03/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/03/2026<br>|  |  |  | GA | Second Home | Refinance | Cash Out - Other | 7274804 | N/A | N/A |
| 333 | XXXX | XXXX |  |  | Closed | 2026-01-14 02:48 | 2026-02-11 17:46 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Asset documentation received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $41806.62 is equal to or greater than Total Required Reserve Amount of $30857.76 - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. bank statement - Buyer-02/11/2026 <br> Counter-Reviewed comment from lender. Loan does not meet the following guideline criteria to waive reserves. No mortgage history to meet, 0x30x24 or since inception if owned between 12-24 months, nor is the subject property housing payment decreasing. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-loan meets requirements for rt reserve waive; •  Rate and Term Refinance transactions do not require reserves if the following are met:<br> o<br> Loan amount is = $XXXX<br> o<br> Mortgage history is 0x30x24 or since inception if owned between 12-24 months<br> o<br> Subject property housing payment is decreasing<br> o<br> Borrower does not have a prior bankruptcy, foreclosure, short-sale, DIL, pre-foreclosure, mortgage charge-off - Investor-01/15/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $471.73 is less than Total Required Reserve Amount of $30857.76 - Due Diligence Vendor-01/14/2026 |  | Resolved-Asset documentation received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $41806.62 is equal to or greater than Total Required Reserve Amount of $30857.76 - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 7080891 | N/A | N/A |
| 333 | XXXX | XXXX |  |  | Closed | 2026-01-14 03:13 | 2026-02-11 17:45 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Asset documentation received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Audited Reserves of 8.13 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. bank statements - Investor-02/11/2026 <br> Counter-Reviewed comment from lender. Loan does not meet the following guideline criteria to waive reserves. No mortgage history to meet, 0x30x24 or since inception if owned between 12-24 months, nor is the subject property housing payment decreasing. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-loan meets requirements for rt reserve waive; •  Rate and Term Refinance transactions do not require reserves if the following are met:<br> o<br> Loan amount is = $XXXX<br> o<br> Mortgage history is 0x30x24 or since inception if owned between 12-24 months<br> o<br> Subject property housing payment is decreasing<br> o<br> Borrower does not have a prior bankruptcy, foreclosure, short-sale, DIL, pre-foreclosure, mortgage charge-off - Buyer-01/15/2026 <br> Open-Audited Reserves of 0.09 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/14/2026 |  | Resolved-Asset documentation received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Audited Reserves of 8.13 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 7081004 | N/A | N/A |
| 334 | XXXX | XXXX |  |  | Closed | 2026-02-20 01:26 | 2026-03-04 07:57 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Review fees and COCs in the loan file, re-ran Compliance, Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Ready for Review- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Finding invalid. There are no fee discrepancies for this loan. Lender credit -10980.00 disclosed on the LE XX/XX/XXXX and the consummation CD shows lender credit of _10980.00. - Investor-02/27/2026 <br> Open- - Due Diligence Vendor-02/25/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2,812.50) were applied to the total fee variance of ($25,125.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credit increase in Final CD dated XX/XX/XXXX $10.980.00 from $9573.75 Initial CD datedXX/XX/XXX. No COC is given for increase in Lender credit.<br> Hence TILA is failing for Lender credit. - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/20/2026 |  | Resolved-Review fees and COCs in the loan file, re-ran Compliance, Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/04/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7713631 | N/A | N/A |
| 334 | XXXX | XXXX |  |  | Closed | 2026-02-20 01:26 | 2026-03-04 07:57 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Review fees and COCs in the loan file, re-ran Compliance, Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/04/2026 <br> Open- - Due Diligence Vendor-03/04/2026 <br> Ready for Review- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Finding invalid. There are no fee discrepancies for this loan. Lender credit -10980.00 disclosed on the LE XX/XX/XXXX and the consummation CD shows lender credit of _10980.00. - Investor-02/27/2026 <br> Open- - Due Diligence Vendor-02/25/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($2,812.50) were applied to the total fee variance of ($25,125.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credit increase in Final CD dated XX/XX/XXXX $10.980.00 from $9573.75 Initial CD dated XX/XX/XXXX. No COC is given for increase in Lender credit.<br> Hence TILA is failing for Lender credit. - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/20/2026 |  | Resolved-Review fees and COCs in the loan file, re-ran Compliance, Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/04/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7713629 | N/A | N/A |
| 336 | XXXX | XXXX |  |  | Closed | 2026-01-24 20:06 | 2026-02-05 13:08 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure provided. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. Please see attached Initial Disclosure including the What Mortgage Applicants Need to Know" Pamphlet - Buyer-02/02/2026 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-01/25/2026 |  | Resolved-Disclosure provided. - Due Diligence Vendor-02/05/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7283397 | N/A | N/A |
| 336 | XXXX | XXXX |  |  | Closed | 2026-01-24 20:45 | 2026-02-05 13:05 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is not Missing - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see uploaded title commitment - Buyer-02/04/2026 <br> Open-Title Document is missing - Due Diligence Vendor-01/25/2026 |  | Resolved-Title Document is not Missing - Due Diligence Vendor-02/05/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7283443 | N/A | N/A |
| 336 | XXXX | XXXX |  |  | Closed | 2026-02-05 13:02 | 2026-02-05 13:02 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/05/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/05/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7473966 | Investor Post-Close | No |
| 338 | XXXX | XXXX |  |  | Closed | 2026-02-12 13:43 | 2026-03-04 11:48 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided PCCD and Payment History with applied PR for 1250.00 Administrative fee. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. PCCD and Payment History with applied PR - Investor-03/03/2026 <br> Counter-Administration Fee $1250.00 Added on LE XX/XX/XXXX COC provided; however, it only reflects changes to Discount Fee and Appraisal RE-Inspection Fee, Finding remains. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Could you please clarify for which fee you are missing COC. Thanks. - Seller-02/24/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open-A Lender Credit for Excess Charges of ($150.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($150.00) were applied to the total fee variance of ($1,400.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($150.00) were applied to the total fee variance of ($1,400.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/12/2026 | Ready for Review-Could you please clarify for which fee you are missing COC. Thanks. - Seller-02/24/2026<br>| Resolved-Lender provided PCCD and Payment History with applied PR for 1250.00 Administrative fee. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | MN | Primary Residence | Purchase | NA | 7589836 | N/A | N/A |
| 338 | XXXX | XXXX |  |  | Closed | 2026-02-12 13:43 | 2026-03-04 11:48 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided PCCD and Payment History with applied PR for 1250.00 Administrative fee. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. PCCD and Payment History with applied PR - Buyer-03/03/2026 <br> Counter-Administration Fee $1250.00 Added on LE XX/XX/XXXX COC provided; however, it only reflects changes to Discount Fee and Appraisal RE-Inspection Fee, Finding remains. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Could you please clarify for which fee you are missing COC. Thanks. - Buyer-02/24/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open-A Lender Credit for Excess Charges of ($150.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($150.00) were applied to the total fee variance of ($1,400.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($150.00) were applied to the total fee variance of ($1,400.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-Lender provided PCCD and Payment History with applied PR for 1250.00 Administrative fee. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/04/2026<br>| XXXX |  | In Final CD Administration Fee $1250.00 Added Valid COC not provided | MN | Primary Residence | Purchase | NA | 7589835 | N/A | N/A |
| 338 | XXXX | XXXX |  |  | Closed | 2026-02-12 13:51 | 2026-02-12 13:51 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026<br>|  |  |  | MN | Primary Residence | Purchase | NA | 7589955 | Investor Post-Close | No |
| 339 | XXXX | XXXX |  |  | Closed | 2026-02-13 19:39 | 2026-02-24 13:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Lender provides a copy of the Underwriters Bank Statement Income Worksheet, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached worksheets. - Buyer-02/20/2026 <br> Open-Provide a copy of the Underwriters Bank Statement Income Worksheet - Due Diligence Vendor-02/14/2026 |  | Resolved-Lender provides a copy of the Underwriters Bank Statement Income Worksheet, finding resolved. - Due Diligence Vendor-02/24/2026<br>| XXXX |  |  | SC | Primary Residence | Purchase | NA | 7621008 | N/A | N/A |
| 340 | XXXX | XXXX |  |  | Closed | 2026-03-27 13:58 | 2026-03-27 14:32 | Acknowledged | 1 - Information | Property | Value | Secondary Valuation Product Only Supports Value Used to Calculate LTV | Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. Lender Used Prior Sales Price of $XXXX as value for LTV. NOTE: Appraisal $XXXX date XX/XX/XXXX, Desk Review $XXXX dated XX/XX/XXXX has -13.5% variance. Lender also pulled both CU Score 1 and LCA Score 1, which do support the $XXXX Appraisal. Lender provided the appraisal dated XX/XX/XXXX with a value of $XXXX from when the borrower purchased the property. Sales Price $XXXX. Purchase appraisal supports value for LTV. - Due Diligence Vendor-03/27/2026 |  | Acknowledged-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. Lender Used Prior Sales Price of $XXXX as value for LTV. NOTE: Appraisal $XXXX date XX/XX/XXXX, Desk Review $XXXX dated XX/XX/XXXX has -13.5% variance. Lender also pulled both CU Score 1 and LCA Score 1, which do support the $XXXX Appraisal. Lender provided the appraisal dated XX/XX/XXXX with a value of $XXXX from when the borrower purchased the property. Sales Price $XXXX. Purchase appraisal supports value for LTV. - Due Diligence Vendor-03/27/2026 |  |  |  | NJ | Investment | Refinance | Cash Out - Other | 8365676 | Investor Post-Close | No |
| 349 | XXXX | XXXX |  |  | Closed | 2026-01-21 11:22 | 2026-02-02 21:24 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Signed attestation provided. Issue resolved. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached Letter signed by borrower. - Buyer-01/29/2026 <br>Counter-Received an unsigned doc stating no HOI on the REO. Please provide a signed attestation. Condition remains. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached letter from borrower. - Buyer-01/27/2026 <br>Open-Require supporting document to verify the insurance for REO-2 listed on final 1003. - Due Diligence Vendor-01/21/2026 |  | Resolved-Signed attestation provided. Issue resolved. - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7212161 | N/A | N/A |
| 350 | XXXX | XXXX |  |  | Closed | 2026-01-24 07:17 | 2026-02-17 08:35 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided xxx statement to show the card is actually in the spouse's name with payment and balance, which matches the final application. Finding resolved. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. XXXX statement to match the liability on 1003 provided and shows not in borrowers name. Credit supplement provided matches credit limit per statement and supports borrower is an auth user and removed from credit. Since not in borrowers name, payment history not required. - Buyer-02/10/2026 <br> Open-Additional Liabilities (Liability 4) is reflecting in 1003 however missing in credit report hence required supporting document to verify balance and payments - Due Diligence Vendor-01/24/2026 |  | Resolved-Lender provided xxx statement to show the card is actually in the spouse's name with payment and balance, which matches the final application. Finding resolved. - Due Diligence Vendor-02/17/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7282581 | N/A | N/A |
| 350 | XXXX | XXXX |  |  | Closed | 2026-02-13 11:12 | 2026-02-13 11:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/13/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7611782 | Investor Post-Close | No |
| 350 | XXXX | XXXX |  |  | Closed | 2026-01-24 07:35 | 2026-02-10 12:49 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-What Mortgage Applicants Need to Know Pamphlet received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Disclosure provided. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached Initial Disclosure including the What Mortgage Applicants Need to Know" Pamphlet - Buyer-02/02/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-01/24/2026 |  | Resolved-What Mortgage Applicants Need to Know Pamphlet received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7282608 | N/A | N/A |
| 351 | XXXX | XXXX |  |  | Closed | 2026-02-19 07:07 | 2026-04-03 12:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided CDs for 2 missing properties to verified PITIA, finding resolved - Due Diligence Vendor-03/03/2026 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/03/2026 <br> Ready for Review-can you please provide clarification as to what debts you are referring too? - Buyer-02/26/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-02/19/2026 |  | Resolved-Lender provided CDs for 2 missing properties to verified PITIA, finding resolved - Due Diligence Vendor-03/03/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/03/2026<br>|  |  |  | NJ | Investment | Refinance | Cash Out - Other | 7694698 | N/A | N/A |
| 351 | XXXX | XXXX |  |  | Closed | 2026-02-19 07:10 | 2026-03-03 14:50 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided CDs for 2 missing properties to verified PITIA, finding resolved - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. CDs - Buyer-02/26/2026 <br> Open-REO 10 & REO 11 Mortgage statement is missing in the loan file to verify the payments of $4131.53 & $4572. - Due Diligence Vendor-02/19/2026 |  | Resolved-Lender provided CDs for 2 missing properties to verified PITIA, finding resolved - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7694740 | N/A | N/A |
| 353 | XXXX | XXXX |  |  | Closed | 2026-02-19 07:54 | 2026-03-03 14:59 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know" Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-02/26/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-02/19/2026 |  | Resolved-Lender provided New York pamphlet "What Mortgage Applicants Need to Know" Finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7695539 | N/A | N/A |
| 354 | XXXX | XXXX |  |  | Closed | 2026-01-22 06:41 | 2026-04-03 12:22 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 <br> Resolved- Further review per Guidelines Gift funds can be used for closing cost and reserves. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Further review per Guidelines Gift funds can be used for closing cost and reserves. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. LOE - Seller-02/19/2026 <br> Counter-Gift has been entered for closing; addition funds are needed for reserves of $4140.30, condition remains. - Due Diligence Vendor-02/10/2026 <br> Open-Gift has been entered for closing; addition funds are needed for reserves of $4140.30, condition remains. - Due Diligence Vendor-02/10/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements insufficient reserves. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. gift wire - Buyer-02/06/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $4140.3 - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. LOE - Seller-02/19/2026<br>| Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-04/03/2026 <br>Resolved- Further review per Guidelines Gift funds can be used for closing cost and reserves. Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Further review per Guidelines Gift funds can be used for closing cost and reserves. Finding resolved. - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 7238160 | N/A | N/A |
| 354 | XXXX | XXXX |  |  | Closed | 2026-01-22 06:04 | 2026-04-03 08:53 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $10274.3 is equal to or greater than Total Required Reserve Amount of $4140.3 - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. LOE - Seller-02/19/2026 <br> Counter-Gift has been entered for closing; addition funds are needed for reserves of $4140.30, condition remains. - Due Diligence Vendor-02/10/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $4140.3 Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $4140.30 - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. gift wire - Seller-02/06/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $4140.3 - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. LOE - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. gift wire - Seller-02/06/2026<br>| Resolved-Total Qualified Assets for Reserves Post-Close of $10274.3 is equal to or greater than Total Required Reserve Amount of $4140.3 - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 7237696 | N/A | N/A |
| 354 | XXXX | XXXX |  |  | Closed | 2026-01-22 06:30 | 2026-02-20 14:44 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Further review Gift funds can be used for closing and reserves. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Resolved-Audited Reserves of 7.44 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. LOE - Seller-02/19/2026 <br> Counter-Gift has been entered for closing; addition funds are needed for reserves of $4140.30, condition remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. gift wire - Seller-02/06/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. LOE - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. gift wire - Seller-02/06/2026<br>| Resolved-Further review Gift funds can be used for closing and reserves. Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Resolved-Audited Reserves of 7.44 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | OR | Primary Residence | Purchase | NA | 7238029 | N/A | N/A |
| 357 | XXXX | XXXX |  |  | Closed | 2026-01-30 02:57 | 2026-02-10 09:50 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Missing | Resolved-Signed Note received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. Please see uploaded executed Note - Buyer-02/06/2026 <br>Open-The Note is Missing - Due Diligence Vendor-01/30/2026 |  | Resolved-Signed Note received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 7365803 | N/A | N/A |
| 360 | XXXX | XXXX |  |  | Closed | 2026-02-27 15:24 | 2026-03-13 10:33 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached CPA letter and joint access letter. - Buyer-03/12/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/27/2026 |  |  | XXXX |  | We are currently missing the documentation required to verify the ownership of XXXX and XXXX. Please provide either the Operating Agreements or a verification letter from a CPA confirming the ownership percentages for each entity. Please note that if the borrower owns less than 100% of the businesses, we will also need written consent from the other owners authorizing the borrower's access to the funds in both accounts. | NY | Investment | Purchase | NA | 7852003 | N/A | N/A |
| 360 | XXXX | XXXX |  |  | Closed | 2026-02-27 15:14 | 2026-03-13 10:32 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $239777.12 is equal to or greater than Total Required Reserve Amount of $35598.06 - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached CPA letter and joint access letter. - Investor-03/12/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $35598.06 We are currently missing the documentation required to verify the ownership of XXXX and XXXX<br> Please provide either the Operating Agreements or a verification letter from a CPA confirming the ownership percentages for each entity. Please note that if the borrower owns less than 100% of the businesses, we will also need written consent from the other owners authorizing the borrower's access to the funds in both accounts. - Due Diligence Vendor-02/27/2026 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $239777.12 is equal to or greater than Total Required Reserve Amount of $35598.06 - Due Diligence Vendor-03/13/2026<br>| XXXX |  |  | NY | Investment | Purchase | NA | 7851816 | N/A | N/A |
| 360 | XXXX | XXXX |  |  | Closed | 2026-02-27 15:14 | 2026-03-13 10:32 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. Please see attached CPA letter and joint access letter. - Seller-03/12/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. We are currently missing the documentation required to verify the ownership of XXXX and XXXX<br> Please provide either the Operating Agreements or a verification letter from a CPA confirming the ownership percentages for each entity. Please note that if the borrower owns less than 100% of the businesses, we will also need written consent from the other owners authorizing the borrower's access to the funds in both accounts. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Please see attached CPA letter and joint access letter. - Seller-03/12/2026<br>| Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/13/2026<br>| XXXX |  |  | NY | Investment | Purchase | NA | 7851817 | N/A | N/A |
| 360 | XXXX | XXXX |  |  | Closed | 2026-03-02 15:10 | 2026-03-09 12:18 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-03/09/2026 <br> Rescinded-Finding resolved - Due Diligence Vendor-03/09/2026 <br> Ready for Review-UW response: This property appeared only on the initial 1003 with no mortgage associated to it. We tried pulling a property profile and it says the property is not found. There is also no corresponding property on the Drive report or unverified mortgages on credit. It appears this was entered on the initial 1003 in error. - Investor-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing satisfactory verification of mortgage for the most recent 12 months verifying 0x30x12 for property located on 60th Lane. - Due Diligence Vendor-03/02/2026 |  | Rescinded-Finding resolved - Due Diligence Vendor-03/09/2026<br>|  |  |  | NY | Investment | Purchase | NA | 7880716 | N/A | N/A |
| 365 | XXXX | XXXX |  |  | Closed | 2026-01-24 01:19 | 2026-02-19 14:07 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Valid driver's license provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Borrower photo ID - Buyer-02/18/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Photo ID is expired - Due Diligence Vendor-01/24/2026 |  | Resolved-Valid driver's license provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/19/2026 | XXXX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 7282235 | N/A | N/A |
| 366 | XXXX | XXXX |  |  | Closed | 2026-01-24 13:08 | 2026-02-10 12:55 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-What Mortgage Applicants Need to Know Pamphlet received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Disclosure provided. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached Initial Disclosure including the What Mortgage Applicants Need to Know" Pamphlet-<br> - Buyer-02/02/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective XX/XX/XXXX. - Due Diligence Vendor-01/24/2026 |  | Resolved-What Mortgage Applicants Need to Know Pamphlet received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7283103 | N/A | N/A |
| 366 | XXXX | XXXX |  |  | Closed | 2026-01-24 14:05 | 2026-02-10 09:52 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Appraisal delivery dated XX/XX/XXXX received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached Appraisal Acknowledgement - Buyer-02/02/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/24/2026 |  | Resolved-Appraisal delivery dated XX/XX/XXXX received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/10/2026 | XXXX |  |  | NY | Primary Residence | Purchase | NA | 7283171 | N/A | N/A |
| 370 | XXXX | XXXX |  |  | Closed | 2026-01-21 12:46 | 2026-02-17 09:22 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided updated 1008 to show additional income being used, updated net cashflow for subject property, DTI@50% meets guidelines. Finding resolved. - Due Diligence Vendor-02/17/2026 <br> Resolved-Audited DTI of 50% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. UW explanation: After final approval, the HOI was updated but the person who updated did not update the subject property net cash flow so this is why the figures are off. I updated the cash flow and added more asset dissipation income and the ratios are now under 50%. Please see attached. - Buyer-02/11/2026 <br> Counter-Audited DTI of 50.07% exceeds Guideline DTI of 50% DTI difference due to three different HOI premiums were provided. Please provide declaration or proof of payment for policy premium $2,517. finding remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Asset dissipation calc updated. Used an additional $25000. Ratios are under 50% - Buyer-02/02/2026 <br> Open-Audited DTI of 50.07% exceeds Guideline DTI of 50% DTI difference due to three different HOI premiums were provided. The lender used the lowest premium for the Subject REO qualification, but Audit used the highest premium, which caused a DTI difference.<br> - Due Diligence Vendor-01/21/2026 |  | Resolved-Lender provided updated 1008 to show additional income being used, updated net cashflow for subject property, DTI@50% meets guidelines. Finding resolved. - Due Diligence Vendor-02/17/2026 <br>Resolved-Audited DTI of 50% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/17/2026<br>| XXXX |  |  | OR | Investment | Purchase | NA | 7219805 | N/A | N/A |
| 373 | XXXX | XXXX |  |  | Closed | 2026-02-20 08:47 | 2026-03-04 08:41 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided, which correlates with initial disclosures. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see uploaded e-consent disclosure - Buyer-03/02/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-sign earliest sign document date is 01/09/2026 and E-sign tracking form date is 02/05/2026 - Due Diligence Vendor-02/20/2026 |  | Resolved-E-Consent documentation for borrower(s) provided, which correlates with initial disclosures. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7719946 | N/A | N/A |
| 373 | XXXX | XXXX |  |  | Closed | 2026-02-20 08:59 | 2026-03-04 08:40 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet. Finding resolved - Due Diligence Vendor-03/04/2026 <br> Resolved-Disclosure provided. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet - Buyer-03/02/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-02/20/2026 |  | Resolved-Lender provided Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet. Finding resolved - Due Diligence Vendor-03/04/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7720196 | N/A | N/A |
| 374 | XXXX | XXXX |  |  | Closed | 2026-02-23 05:58 | 2026-03-04 08:45 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Disclosure provided. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet - Buyer-03/02/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-02/23/2026 |  | Resolved-Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7747787 | N/A | N/A |
| 380 | XXXX | XXXX |  |  | Closed | 2026-01-23 11:05 | 2026-02-10 09:27 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Mortgage, Note and payment coupon for Primary residence received. Finding resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached a copy of the Mortgage for the Primary property - Buyer-02/02/2026 <br> Open-Required documentation is missing for Primary property PITIA of amount $7,941. - Due Diligence Vendor-01/23/2026 |  | Resolved-Mortgage, Note and payment coupon for Primary residence received. Finding resolved. - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | NJ | Investment | Purchase | NA | 7272356 | N/A | N/A |
| 382 | XXXX | XXXX |  |  | Closed | 2026-03-27 16:02 | 2026-03-27 16:02 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026<br>|  |  |  | UT | Primary Residence | Purchase | NA | 8368956 | Investor Post-Close | No |
| 382 | XXXX | XXXX |  |  | Closed | 2026-02-20 05:08 | 2026-03-04 09:33 | Resolved | 1 - Information | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Lender provided HOI policy effected XX/XX/XXX, which correlates with Note date, Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Lender provided HOI policy effected XX/XX/XXXX, which correlates with Note date, Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. hoi - Buyer-03/03/2026 <br> Open-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-02/20/2026 |  | Resolved-Lender provided HOI policy effected XX/XX/XXXX6, which correlates with Note date, Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Lender provided HOI policy effected XX/XX/XXXX, which correlates with Note date, Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-03/04/2026 | XXXX |  |  | UT | Primary Residence | Purchase | NA | 7714687 | N/A | N/A |
| 382 | XXXX | XXXX |  |  | Closed | 2026-03-04 09:25 | 2026-03-04 09:31 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/04/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-03/04/2026 |  | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/04/2026 |  |  |  | UT | Primary Residence | Purchase | NA | 7918912 | N/A | N/A |
| 384 | XXXX | XXXX |  |  | Closed | 2026-01-05 13:32 | 2026-02-04 15:17 | Resolved | 1 - Information | Credit | Missing Doc | The Final 1003 is Missing | Resolved-Review explanation. DSCR loan. Finding resolved. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Per the title company, "It appears he dated them incorrectly and we just missed that he did that. He signed all docs with a notary on 12/12/25 and the note and mortgage are not affected. "<br>Please advise what you will accept to correct this error. - Buyer-01/30/2026 <br>Counter-1003 provided is the initial 1003. The signature date is 1 day after the application date. Finding remains. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. 1003 - Buyer-01/22/2026 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-01/05/2026 |  | Resolved-Review explanation. DSCR loan. Finding resolved. - Due Diligence Vendor-02/04/2026<br>| XXXX |  |  | SC | Investment | Purchase | NA | 6919858 | N/A | N/A |
| 386 | XXXX | XXXX |  |  | Closed | 2026-01-29 13:09 | 2026-01-29 13:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Within tolerance. - Due Diligence Vendor-01/29/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Within tolerance. - Due Diligence Vendor-01/29/2026<br>|  |  |  | NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7357167 | Investor Post-Close | No |
| 388 | XXXX | XXXX |  |  | Closed | 2026-01-21 11:07 | 2026-02-04 17:19 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-License history received. Resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached. appraisal had active license since XX/XX/XXXX. - Buyer-01/30/2026 <br> Counter-Per the asc website the license was valid XX/XX/XXXX and is good until XX/XX/XXXX. The appraisal was signed 12/09/2025. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Valuation date XX/XX/XXXX ,license good thru XX/XX/XXXX. - Buyer-01/28/2026 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-01/21/2026 |  | Resolved-License history received. Resolved. - Due Diligence Vendor-02/04/2026 <br>Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/04/2026<br>| XXXX |  |  | CO | Second Home | Refinance | No Cash Out - Borrower Initiated | 7210641 | N/A | N/A |
| 393 | XXXX | XXXX |  |  | Closed | 2026-02-20 09:18 | 2026-03-04 08:48 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-XXXX provided Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Disclosure provided. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet - Buyer-03/02/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-02/20/2026 |  | Resolved-Ledner provided Initial Disclosure including What Mortgage Applicants Need to Know Pamphlet. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | NY | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7720553 | N/A | N/A |
| 394 | XXXX | XXXX |  |  | Closed | 2025-12-17 13:55 | 2026-02-10 11:16 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Document Uploaded. Rcv'd attestation and photos. Allowed per FNMA. - Borrower attestation letter: A letter is permitted to confirm completion of certain alterations or repairs for existing construction. The letter must include (at a minimum) the following:<br> Borrower name;<br> property address;<br> certification language that the alteration or repair was satisfactorily completed;<br> signatures and date of the borrower;<br> visually verifiable exhibits of the completed work; and<br> one of the following<br> signature of the qualified professional,<br> a professionally prepared report, or<br> paid invoices for the alterations or repairs<br>- Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. As an alternative to the 1004D, we can accept be a borrower's attestation letter. per FNMA: Borrower attestation letter: A letter is permitted to confirm completion of certain alterations or repairs for existing construction. The letter must include (at a minimum) the following: Borrower name; property address; certification language that the alteration or repair was satisfactorily completed; signatures and date of the borrower; visually verifiable exhibits of the completed work; and one of the following signature of the qualified professional, a professionally prepared report, or paid invoices for the alterations or repairs. No repairs were needed so the last item will not be applicable. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-As the repairs were simply the installation of the detectors, can you please escalate as the photos should be acceptable? - Buyer-02/03/2026 <br> Counter-Lender provided photos of smoke detectors; however, need as-is appraisal or completion cert from appraiser. Appraisal is done subject to repairs and indicates smoke detectors are missing. Finding remains. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-UW response: Confirmed ok with UW management to accept LOE and photos for detectors - Buyer-01/05/2026 <br> Counter-Appraisal update/completion form required, finding maintained. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Smoke detectors were installed, please see attached. - Buyer-12/29/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-12/17/2025 |  | Resolved-Document Uploaded. Rcv'd attestation and photos. Allowed per FNMA. - Borrower attestation letter: A letter is permitted to confirm completion of certain alterations or repairs for existing construction. The letter must include (at a minimum) the following:<br> Borrower name;<br> property address;<br> certification language that the alteration or repair was satisfactorily completed;<br> signatures and date of the borrower;<br> visually verifiable exhibits of the completed work; and<br> one of the following<br> signature of the qualified professional,<br> a professionally prepared report, or<br> paid invoices for the alterations or repairs<br>- Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 6668325 | N/A | N/A |
| 396 | XXXX | XXXX |  |  | Closed | 2026-02-03 11:57 | 2026-03-27 11:14 | Waived | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines 13 NSFs vs. 6 NSFs for 12-month bank statement income doc type. A lender exception is present in the loan file, dated prior to consummation providing adequate compensating factors. - Due Diligence Vendor-03/27/2026 <br> Acknowledged-Income and Employment Do Not Meet Guidelines 13 NSFs vs. 6 NSFs for 12-month bank statement income doc type. A lender exception is present in the loan file, dated prior to consummation providing adequate compensating factors. - Due Diligence Vendor-02/03/2026 |  | Waived-Income and Employment Do Not Meet Guidelines 13 NSFs vs. 6 NSFs for 12-month bank statement income doc type. A lender exception is present in the loan file, dated prior to consummation providing adequate compensating factors. - Due Diligence Vendor-03/27/2026 <br>Acknowledged-Income and Employment Do Not Meet Guidelines 13 NSFs vs. 6 NSFs for 12-month bank statement income doc type. A lender exception is present in the loan file, dated prior to consummation providing adequate compensating factors. - Due Diligence Vendor-02/03/2026<br>|  |  | Min. FICO 660, Audit FICO 669, Reserves $40,000, LTV 68% | FL | Primary Residence | Refinance | Cash Out - Other | 7422417 | Originator Pre-Close | Yes |
| 396 | XXXX | XXXX |  |  | Closed | 2026-01-19 10:47 | 2026-02-10 09:57 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E consent received. Finding resolved - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. econsent - Buyer-02/04/2026 <br>Open-E-Consent documentation is missing for borrower(s). Consent document missing - Due Diligence Vendor-01/19/2026 |  | Resolved-E consent received. Finding resolved - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7166285 | N/A | N/A |
| 397 | XXXX | XXXX |  |  | Closed | 2026-02-18 02:19 | 2026-03-09 10:27 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026 <br> Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. id - Buyer-03/05/2026 <br> Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-02/18/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/09/2026<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7671463 | N/A | N/A |
| 397 | XXXX | XXXX |  |  | Closed | 2026-02-18 04:01 | 2026-02-18 04:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/18/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/18/2026<br>|  |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7672017 | Investor Post-Close | No |
| 400 | XXXX | XXXX |  |  | Closed | 2026-03-11 08:32 | 2026-03-13 09:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. ID and I-797A - Buyer-03/13/2026 <br> Open-Borrower 1 identification not provided. Non-US Citizen ID Confirmation - Borrower 1 - document missing in file. - Due Diligence Vendor-03/11/2026 | Non-US Citizen ID Confirmation - Borrower 1 - 03/11/2026 <br>|  | XXXX |  |  | SC | Primary Residence | Purchase | NA | 8043724 | N/A | N/A |
| 400 | XXXX | XXXX |  |  | Closed | 2026-03-09 08:48 | 2026-03-09 08:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/09/2026<br>|  |  |  | SC | Primary Residence | Purchase | NA | 7995077 | Investor Post-Close | No |
| 404 | XXXX | XXXX |  |  | Closed | 2026-01-15 06:42 | 2026-02-11 14:13 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Received complete copy of signed Note, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-The Note is Present - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Please see uploaded a complete Note - Buyer-02/04/2026 <br> Open-The Note is Incomplete The file is missing pages 3 and 4 of the Note. Additional conditions may apply upon receipt of the missing documentation. - Due Diligence Vendor-01/15/2026 |  | Resolved-Received complete copy of signed Note, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 7106157 | N/A | N/A |
| 409 | XXXX | XXXX |  |  | Closed | 2026-03-07 18:04 | 2026-03-13 10:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. business purpose - Buyer-03/12/2026 <br> Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-03/08/2026 |  | Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/13/2026<br>| XXXX |  |  | CA | Investment | Purchase | NA | 7985428 | N/A | N/A |
| 411 | XXXX | XXXX |  |  | Closed | 2026-01-27 02:59 | 2026-03-04 11:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Valid driver's license provided for CB. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. ID - Buyer-03/04/2026 <br> Open-Missing Borrower Identification - Borrower 2. Missing Borrower Identification - B2. - Due Diligence Vendor-01/27/2026 |  | Resolved-Valid driver's license provided for CB. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7307044 | N/A | N/A |
| 411 | XXXX | XXXX |  |  | Closed | 2026-02-18 10:34 | 2026-02-18 10:34 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/18/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/18/2026<br>|  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7679192 | Investor Post-Close | No |
| 415 | XXXX | XXXX |  |  | Closed | 2026-01-23 10:36 | 2026-02-09 15:55 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.22 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see updated asset worksheet with additional clarification regarding assets verified. - Buyer-02/03/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Finding added for insufficient reserves - Due Diligence Vendor-01/23/2026 |  | Resolved-Audited Reserves of 6.22 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/09/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7271401 | N/A | N/A |
| 415 | XXXX | XXXX |  |  | Closed | 2026-01-23 10:36 | 2026-02-09 15:55 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Audited Assets of $38744.87 are greater than Guideline Required Assets of $0. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. Please see updated asset worksheet with additional clarification regarding assets verified. - Investor-02/03/2026 <br>Open-Audited Assets of $-93 are less than Guideline Required Assets of $0. Finding added for insufficient reserves - Due Diligence Vendor-01/23/2026 |  | Resolved-Audited Assets of $38744.87 are greater than Guideline Required Assets of $0. - Due Diligence Vendor-02/09/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7271402 | N/A | N/A |
| 415 | XXXX | XXXX |  |  | Closed | 2026-01-23 13:33 | 2026-02-09 15:55 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. Please see updated asset worksheet with additional clarification regarding assets verified. - Investor-02/03/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-01/23/2026 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/09/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7276859 | N/A | N/A |
| 415 | XXXX | XXXX |  |  | Closed | 2026-01-23 09:32 | 2026-02-09 15:52 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $38744.87 is equal to or greater than Total Required Reserve Amount of $18675.15 - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see updated asset worksheet with additional clarification regarding assets verified. - Buyer-02/03/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $-93 is less than Total Required Reserve Amount of $18675.15 - Due Diligence Vendor-01/23/2026 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $38744.87 is equal to or greater than Total Required Reserve Amount of $18675.15 - Due Diligence Vendor-02/09/2026<br>| XXXX |  |  | FL | Primary Residence | Purchase | NA | 7269997 | N/A | N/A |
| 415 | XXXX | XXXX |  |  | Closed | 2026-01-23 10:36 | 2026-01-23 10:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7271403 | Investor Post-Close | No |
| 416 | XXXX | XXXX |  |  | Closed | 2026-02-05 11:52 | 2026-03-03 15:43 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided Post CD with explanation and proof of 66.00 refund to the borrower. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached cure package. - Investor-02/26/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The amounts disclosed on the last Closing Disclosure for the following Credit report fees have increased However COC has been not received. - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-Lender provided Post CD with explanation and proof of 66.00 refund to the borrower. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/03/2026<br>| XXXX |  | For regulation 12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)<br>The Loan Estimate, dated (12/31/2025), reflects a (Credit Fee) of ($280). Final CD dated (01/15/2026) reflects a (Fee name) of ($346). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of ($66) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br>For regulation 12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v) <br>Tolerance cure of ($66) to be provided within 60 days of discovery. | FL | Primary Residence | Purchase | NA | 7471984 | N/A | N/A |
| 416 | XXXX | XXXX |  |  | Closed | 2026-02-05 11:52 | 2026-03-03 15:43 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided Post CD with explanation and proof of 66.00 refund to the borrower. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-02/26/2026 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Credit Report Fee, Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-02/05/2026 <br>Open- - Due Diligence Vendor-02/12/2026 <br>Open- - Due Diligence Vendor-02/05/2026 <br>Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-Lender provided Post CD with explanation and proof of 66.00 refund to the borrower. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/03/2026<br>| XXXX |  | For regulation 12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)<br>The Loan Estimate, dated (12/31/2025), reflects a (Credit Fee) of ($280). Final CD dated (01/15/2026) reflects a (Fee name) of ($346). The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of ($66) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br>For regulation 12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v) <br>Tolerance cure of ($66) to be provided within 60 days of discovery. | FL | Primary Residence | Purchase | NA | 7471983 | N/A | N/A |
| 419 | XXXX | XXXX |  |  | Closed | 2026-01-21 14:38 | 2026-02-10 10:56 | Resolved | 1 - Information | Credit | Eligibility | Trade line count does not meet program requirements | Resolved-Supplemental provided for additional tradeline needed, finding resolved. - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. credit supp - Buyer-02/04/2026 <br>Open-Tradeline requirement does not met the GL. GL required 3 active tradeline, however borrower has only 2 tradeline and also mortgage with only 9 months review - Due Diligence Vendor-01/21/2026 |  | Resolved-Supplemental provided for additional tradeline needed, finding resolved. - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 7224050 | N/A | N/A |
| 420 | XXXX | XXXX |  |  | Closed | 2026-01-23 06:19 | 2026-02-16 15:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Lender provided condo project approval, finding resolved. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Document Uploaded. condo questionaire - Buyer-02/11/2026 <br>Counter-Lender provided Condo questionnaire for the wrong property, condition remains - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. condo questionaire - Buyer-02/02/2026 <br>Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply.<br> The Condo Questionnaire is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-01/23/2026 |  | Resolved-Lender provided condo project approval, finding resolved. - Due Diligence Vendor-02/16/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7264736 | N/A | N/A |
| 420 | XXXX | XXXX |  |  | Closed | 2026-01-23 06:23 | 2026-02-10 10:40 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided 1008s for all of the property to show Full PITIAS with HOA, which matches Final 1003, condition resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. 1008s - Buyer-02/09/2026 <br> Open-Required Supporting Documents for the following REO'S to calculate the monthly payments, Since it included for DTI<br>XXXX<br>- Due Diligence Vendor-01/23/2026 |  | Resolved-Lender provided 1008s for all of the property to show Full PITIAS with HOA, which matches Final 1003, condition resolved. - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7264771 | N/A | N/A |
| 422 | XXXX | XXXX |  |  | Closed | 2026-01-27 07:04 | 2026-02-11 15:08 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Received updated hazard insurance with valid expiration date, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Hazard Insurance Expiration Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Please see uploaded HOI - Buyer-02/09/2026 <br> Open-Hazard Insurance Expiration Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX - Due Diligence Vendor-01/27/2026 |  | Resolved-Received updated hazard insurance with valid expiration date, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Hazard Insurance Expiration Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-02/11/2026 | XXXX |  |  | NH | Investment | Refinance | Cash Out - Other | 7308975 | N/A | N/A |
| 424 | XXXX | XXXX |  |  | Closed | 2026-03-10 16:22 | 2026-03-13 09:56 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-Lender provided proof of appraisal delivery. - Due Diligence Vendor-03/13/2026 <br> Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. appraisal delivery - Buyer-03/13/2026 <br> Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - Due Diligence Vendor-03/10/2026 |  | Resolved-Lender provided proof of appraisal delivery. - Due Diligence Vendor-03/13/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-03/13/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 8031430 | N/A | N/A |
| 427 | XXXX | XXXX |  |  | Closed | 2026-01-30 11:44 | 2026-02-19 15:54 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided COCs provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Based on the COC history in the file, its all documented properly. Please see attached and advise what else might be needed. The LE sent on XX/XX/XXXX had a lender credit of $816 <br> A COC LE was sent on XX/XX/XXXX for lock update for rate causing the credit to be removed and a discount fee added for $418.60. This COC is attached. <br> ICD was issued 1 with a discount fee of $418.60<br> Then a COC CD was issued 12/17 with a change in loan amount and now charging $426.65. COC is attached. - Buyer-02/19/2026 <br> Open-A Lender Credit for Excess Charges of ($14.48), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($816.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided COCs provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 7378806 | N/A | N/A |
| 427 | XXXX | XXXX |  |  | Closed | 2026-01-30 11:44 | 2026-02-19 15:53 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided COCs provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Based on the COC history in the file, its all documented properly. Please see attached and advise what else might be needed. The LE sent on XX/XX/XXXX had a lender credit of $816 <br> A COC LE was sent on XX/XX/XXXX for lock update for rate causing the credit to be removed and a discount fee added for $418.60. This COC is attached. <br> ICD was issued XX/XX/XXXX with a discount fee of $418.60<br> Then a COC CD was issued XX/XX/XXXX with a change in loan amount and now charging $426.65. COC is attached. - Buyer-02/19/2026 <br> Open-A Lender Credit for Excess Charges of ($14.48), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($816.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC is missing - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided COCs provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | VA | Primary Residence | Purchase | NA | 7378805 | N/A | N/A |
| 432 | XXXX | XXXX |  |  | Closed | 2026-02-12 13:41 | 2026-02-13 03:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/12/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7589798 | Investor Post-Close | No |
| 434 | XXXX | XXXX |  |  | Closed | 2026-02-23 13:55 | 2026-03-05 08:44 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Payoff statement in file confirms lien was in the name of the borrower's LLC; therefore, no payment history required due to borrower not personally responsible. Finding resolved. - Due Diligence Vendor-03/05/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-A pay history is not required to be verified for any mortgages where the borrower does not have a personal individual obligation. - Investor-03/02/2026 <br>Counter-Audit has reviewed the lender's rebuttal. However, per guidelines, the housing payment history requirement applies to all mortgages and includes all liens. The condition remains for verification of a 0x30x12 payment history. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-mortgage that was paid off is in the LLC name, as evidenced by the payoff, and a VOM is not required if the borrower is not personally obligated - Buyer-02/25/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing 12 month payment history for the subject property. - Due Diligence Vendor-02/23/2026 |  | Resolved-Payoff statement in file confirms lien was in the name of the borrower's LLC; therefore, no payment history required due to borrower not personally responsible. Finding resolved. - Due Diligence Vendor-03/05/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/05/2026<br>|  |  |  | TX | Investment | Refinance | Cash Out - Other | 7762691 | N/A | N/A |
| 434 | XXXX | XXXX |  |  | Closed | 2026-02-23 13:51 | 2026-02-26 16:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. business purpose - Investor-02/24/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-02/23/2026 |  | Resolved-Business Purpose Affidavit provided, condition resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/26/2026<br>| XXXX |  |  | TX | Investment | Refinance | Cash Out - Other | 7762619 | N/A | N/A |
| 435 | XXXX | XXXX |  |  | Closed | 2026-02-11 06:15 | 2026-02-24 14:15 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Valid Driver license for B2, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Copy of the ID for Borrower 2 - Buyer-02/23/2026 <br> Open-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Borrower 2 photo ID expiration date is XX/XX/XXXX - Due Diligence Vendor-02/11/2026 |  | Resolved-Valid Driver license for B2, finding resolved. - Due Diligence Vendor-02/24/2026 <br> Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/24/2026 | XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 7554866 | N/A | N/A |
| 435 | XXXX | XXXX |  |  | Closed | 2026-02-15 05:54 | 2026-02-19 07:19 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided., Finding resolved - Due Diligence Vendor-02/19/2026 <br> Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Borrowers eConsent - Buyer-02/18/2026 <br> Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. E-Consent document missing in file. - Due Diligence Vendor-02/15/2026 |  | Resolved-Sufficient E-Consent documentation for appraisal delivery provided., Finding resolved - Due Diligence Vendor-02/19/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 7624418 | N/A | N/A |
| 435 | XXXX | XXXX |  |  | Closed | 2026-02-15 05:30 | 2026-02-19 07:12 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Borrower E-Consent provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Borrowers eConsent - Seller-02/18/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-Consent Documents missing in file. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. Borrowers eConsent - Seller-02/18/2026<br>| Resolved-Borrower E-Consent provided, Finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 7624391 | N/A | N/A |
| 435 | XXXX | XXXX |  |  | Closed | 2026-02-15 06:03 | 2026-02-19 07:09 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Solar PPA purchase agreement provided, Finding resolved - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Please see uploaded PPA - Buyer-02/18/2026 <br>Open-Solar PPA document missing in file - showing $186 payment. - Due Diligence Vendor-02/15/2026 |  | Resolved-Solar PPA purchase agreement provided, Finding resolved - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | MA | Primary Residence | Refinance | Cash Out - Other | 7624446 | N/A | N/A |
| 437 | XXXX | XXXX |  |  | Closed | 2025-12-15 14:27 | 2026-04-03 12:23 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/30/2026 <br> Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided the SLE to show DTI of 50% was used for SLE exception since the loan qualified for 48%. Finding resolved. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-The SLE uploaded shows Max DTI 50% - this allows DTI up to 50%. This should be cleared, per email from leadership on 2/11. - Buyer-02/17/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-02/13/2026 <br> Ready for Review-UW management response: "Details" line in SLE was us saying that's part of what the exception is needed for since our FTHB missing partial housing history guides cap the DTI at 43%, so we were saying that's part of the SLE reason is that we're over 43%. Our max allowed on this exception approval was 50% (the top part highlighted), which we came in under that, so we're still within the allowable parameters of the SLE approval. - Buyer-02/11/2026 <br> Counter-SLE provided allows for DTI 48% with compensating factors. Loan DTI audited 48.31%. Please provide updated SLE with allowable DTI of 50%. Condition remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached explanation from our UW management including compensating factors for the SLE. - Buyer-02/09/2026 <br> Counter-Received an updated SLE dated 01/27/2026. The SLE allows a 50% DTI with reserves required in the amount of "meeting". Provide a corrected SLE, allowing 50% DTI, with a dollar amount listed for minimum reserves required instead of "meeting" as the minimum amount required. $20,190.35 assets are available for reserves. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Update exception attached. SLE approved meeting reserves with no additional reserves required above the stated guideline minimum - Buyer-01/27/2026 <br> Counter-Received a copy of the $8000 wire. That was already accounted for on the Final CD. The borrowers verified Assets of $67,145.76, less Cash to Close of $XXXX leaves $XXXX assets available for reserves. An updated exception approval is required due to insufficient verified assets to meet the reserves requirement of $28,000 on the exception. The SLE exception for First Time Home Buyer rental history deficit requires reserves in the amount of $28,000 and verified reserves are only $20,190.35, finding maintained. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Please see attached wire showing $8000 was sent to title. - Buyer-01/13/2026 <br> Counter-Verified Assets of $67,145.76 less Cash to Close of $XXXX leaves $XXXX assets available for reserves; reserve requirement of $28,000 not met; it appears per the asset worksheet provided that the lender is including the $8,000 gift deposited to escrow as an asset, which it is not; condition remains. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Please see attached asset worksheet with $28,000 of reserves. - Buyer-01/06/2026 <br> Counter-Updated SLE required due to insufficient assets of $28,000 and rental history deficit. The SLE exception is for reserves in the amount of $28,000 and verified reserves are only $20,190.35, finding maintained. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. UW response: There is an exception on this loan for first time homebuyer. This exception includes all items under the First time homebuyer bullets, so additional reserves not required aside from the 3 months. Borrower meets reserve requirement.<br> - Buyer-12/29/2025 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $20190.35 is less than Total Required Reserve Amount of $29869.2 - Due Diligence Vendor-12/15/2025 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/30/2026 <br>Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided the SLE to show DTI of 50% was used for SLE exception since the loan qualified for 48%. Finding resolved. - Due Diligence Vendor-02/18/2026<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 6631534 | N/A | N/A |
| 437 | XXXX | XXXX |  |  | Closed | 2026-01-09 12:50 | 2026-03-30 14:13 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $20190.35 is equal to or greater than Total Required Reserve Amount of $19912.8 - Due Diligence Vendor-02/13/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $20190.35 is equal to or greater than Total Required Reserve Amount of $19912.8. Updated document provided from VP: $28k reserves not required for the SLE Approval. - Due Diligence Vendor-02/13/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $20190.35 is equal to or greater than Total Required Reserve Amount of $9956.4 - Due Diligence Vendor-02/13/2026 <br> Ready for Review-UW management response: "Details" line in SLE was us saying that's part of what the exception is needed for since our FTHB missing partial housing history guides cap the DTI at 43%, so we were saying that's part of the SLE reason is that we're over 43%. Our max allowed on this exception approval was 50% (the top part highlighted), which we came in under that, so we're still within the allowable parameters of the SLE approval. - Buyer-02/11/2026 <br> Counter-SLE provided allows for DTI 48% with compensating factors. Loan audited DTI 48.31%. Please provide updated SLE with allowable DTI of 50%. Condition remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached explanation from our UW management including compensating factors for the SLE. - Buyer-02/09/2026 <br> Counter-Received an updated SLE dated 01/27/2026. The SLE allows a 50% DTI with reserves required in the amount of "meeting". Provide a corrected SLE, allowing 50% DTI, with a dollar amount listed for minimum reserves required instead of "meeting" as the minimum amount required. $20,190.35 assets are available for reserves. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Update exception attached. SLE approved meeting reserves with no additional reserves required above the stated guideline minimum - Buyer-01/27/2026 <br> Counter-Received a copy of the $8000 wire. That was already accounted for on the Final CD. The borrowers verified Assets of $67,145.76, less Cash to Close of $XXXX leaves $20,190.35 assets available for reserves. An updated exception approval is required due to insufficient verified assets to meet the reserves requirement of $28,000 on the exception. The SLE exception for First Time Home Buyer rental history deficit requires reserves in the amount of $28,000 and verified reserves are only $20,190.35, finding maintained. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see attached wire showing $8000 was sent to title. - Buyer-01/13/2026 <br> Counter-Verified Assets of $67,145.76 less Cash to Close of $XXXX leaves $20,190.35 assets available for reserves; reserve requirement of $28,000 not met; it appears per the asset worksheet provided that the lender is including the $8,000 gift deposited to escrow as an asset, which it is not; condition remains. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Total Qualified Assets for Reserves Post-Close of $20190.35 is less than Total Required Reserve Amount of $28000 - Due Diligence Vendor-01/09/2026 |  | Resolved-Total Qualified Assets for Reserves Post-Close of $20190.35 is equal to or greater than Total Required Reserve Amount of $19912.8 - Due Diligence Vendor-02/13/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $20190.35 is equal to or greater than Total Required Reserve Amount of $19912.8. Updated document provided from VP: $28k reserves not required for the SLE Approval. - Due Diligence Vendor-02/13/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $20190.35 is equal to or greater than Total Required Reserve Amount of $9956.4 - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 7012436 | N/A | N/A |
| 437 | XXXX | XXXX |  |  | Closed | 2025-12-16 17:39 | 2026-02-18 16:46 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided the SLE to show DTI of 50% was used for SLE exception since the loan qualified for 48%. Original Approval does not show reserves as a comp factor. Finding resolved. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-The SLE uploaded shows Max DTI 50% - this allows DTI up to 50%. This should be cleared, per email from leadership on 2/11. - Buyer-02/17/2026 <br> Counter- - Due Diligence Vendor-02/13/2026 <br> Open-Audited DTI of 48.31% exceeds Guideline DTI of 43%. The most recent document provided, dated 02/09/2026, states "Here are the comp factors used when making this SLE for 48% DTI vs 43% required for FTHB living rent free". There were prior documents that reflected DTI SLE to 50%. Can you please verify the DTI exception was to 50% so we can get this cleared for you. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-UW management response: "Details" line in SLE was us saying that's part of what the exception is needed for since our FTHB missing partial housing history guides cap the DTI at 43%, so we were saying that's part of the SLE reason is that we're over 43%. Our max allowed on this exception approval was 50% (the top part highlighted), which we came in under that, so we're still within the allowable parameters of the SLE approval. - Buyer-02/11/2026 <br> Counter-SLE provided allows for DTI 48% with compensating factors. Loan audited DTI 48.31%. Please provide updated SLE with allowable DTI of 50%. Condition remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached explanation from our UW management including compensating factors for the SLE. - Buyer-02/09/2026 <br> Counter-Received an updated SLE dated XX/XX/XXXX. The SLE allows a 50% DTI with reserves required in the amount of "meeting". Provide a corrected SLE, allowing 50% DTI, with a dollar amount listed for minimum reserves required instead of "meeting" as the minimum amount required. $20,190.35 assets are available for reserves. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. DTI max is not 43%, this violation is incorrect. our guidelines allow for FTHB not meeting the housing payment history without an SLE if a number of factors are met. We did not meet the Max DTI guideline to proceed on this without an SLE. The SLE was approved and provided - Buyer-01/27/2026 <br> Counter-Received a copy of the $8000 wire. That was already accounted for on the Final CD. The borrowers verified Assets of $67,145.76, less Cash to Close of $XXXX leaves $XXXX assets available for reserves. An updated exception approval is required due to insufficient verified assets to meet the reserves requirement of $28,000 on the exception. The SLE exception for First Time Home Buyer rental history deficit requires reserves in the amount of $28,000 and verified reserves are only $20,190.35, finding maintained. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see attached wire showing $8000 was sent to title. - Buyer-01/13/2026 <br> Counter-Verified Assets of $67,145.76 less Cash to Close of $XXXX leaves $XXXX assets available for reserves; reserve requirement of $28,000 not met; it appears per the asset worksheet provided that the lender is including the $8,000 gift deposited to escrow as an asset, which it is not; condition remains. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Please see attached asset worksheet with $28,000 of reserves. - Buyer-01/06/2026 <br> Counter- - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Updated SLE required due to insufficient assets of $28,000 and rental history deficit. The SLE exception is for reserves in the amount of $28,000 and verified reserves are only $20,190.35, finding maintained. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. UW response: There is an exception on this loan for first time homebuyer. This exception includes all items under the First time homebuyer bullets, so 43% is not the max. - Buyer-12/29/2025 <br> Open-Audited DTI of 48.31% exceeds Guideline DTI of 43% The max DTI for a FTHB with only 5 months rental history is 43%. The file contains a pre consummation approved exception for max DTI of 50% with a minimum of $28,000 in post close reserves. Audited post close reserves only $21,090.35. - Due Diligence Vendor-12/16/2025 |  | Resolved-Lender provided the SLE to show DTI of 50% was used for SLE exception since the loan qualified for 48%. Original Approval does not show reserves as a comp factor. Finding resolved. - Due Diligence Vendor-02/18/2026<br>| XXXX |  | FICO 712, Max DTI 50%, Max LTV 90%, | MD | Primary Residence | Purchase | NA | 6652304 | N/A | N/A |
| 437 | XXXX | XXXX |  |  | Closed | 2025-12-16 17:39 | 2026-02-13 08:06 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Audited Assets of $20190.35 are greater than Guideline Required Assets of $0. Updated document provided from VP: No additional reserves required for the SLE Approval. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-UW management response: "Details" line in SLE was us saying that's part of what the exception is needed for since our FTHB missing partial housing history guides cap the DTI at 43%, so we were saying that's part of the SLE reason is that we're over 43%. Our max allowed on this exception approval was 50% (the top part highlighted), which we came in under that, so we're still within the allowable parameters of the SLE approval. - Buyer-02/11/2026 <br> Counter-SLE provided allows for DTI 48% with compensating factors. Loan audited DTI 48.31%. Please provide updated SLE with allowable DTI of 50%. Condition remains. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached explanation from our UW management including compensating factors for the SLE. - Buyer-02/09/2026 <br> Counter-Received an updated SLE dated 01/27/2026. The SLE allows a 50% DTI with reserves required in the amount of "meeting". Provide a corrected SLE, allowing 50% DTI, with a dollar amount listed for minimum reserves required instead of "meeting" as the minimum amount required. $20,190.35 assets are available for reserves. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. DTI max is not 43%, this violation is incorrect. our guidelines allow for FTHB not meeting the housing payment history without an SLE if a number of factors are met. We did not meet the Max DTI guideline to proceed on this without an SLE. The SLE was approved and provided - Buyer-01/27/2026 <br> Counter-Received a copy of the $8000 wire. That was already accounted for on the Final CD. The borrowers verified Assets of $67,145.76, less Cash to Close of $XXXX leaves $XXXX assets available for reserves. An updated exception approval is required due to insufficient verified assets to meet the reserves requirement of $28,000 on the exception. The SLE exception for First Time Home Buyer rental history deficit requires reserves in the amount of $28,000 and verified reserves are only $20,190.35, finding maintained. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Please see attached wire showing $8000 was sent to title. - Buyer-01/13/2026 <br> Counter-Verified Assets of $67,145.76 less Cash to Close of $XXXX leaves $20,190.35 assets available for reserves; reserve requirement of $28,000 not met; it appears per the asset worksheet provided that the lender is including the $8,000 gift deposited to escrow as an asset, which it is not; condition remains. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Please see attached asset worksheet with $28,000 of reserves. - Buyer-01/06/2026 <br> Counter-The SLE exception is for reserves in the amount of $28,000 and verified reserves are only $20,190.35, finding maintained. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. UW response: There is an exception on this loan for first time homebuyer. This exception includes all items under the First time homebuyer bullets, so 43% is not the max. - Buyer-12/29/2025 <br> Open-Audited Assets of $20190.35 are less than Guideline Required Assets of $28000. The max DTI for a FTHB with only 5 months rental history is 43%. The file contains a pre consummation approved exception for max DTI of 50% with a minimum of $28,000 in post close reserves. Audited post close reserves only $21,090.35. - Due Diligence Vendor-12/16/2025 |  | Resolved-Audited Assets of $20190.35 are greater than Guideline Required Assets of $0. Updated document provided from VP: No additional reserves required for the SLE Approval. - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | MD | Primary Residence | Purchase | NA | 6652305 | N/A | N/A |
| 438 | XXXX | XXXX |  |  | Closed | 2026-02-12 05:58 | 2026-03-04 08:54 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. updated ID - Buyer-03/02/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/12/2026 |  | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/04/2026 | XXXX |  |  | MT | Investment | Refinance | Cash Out - Other | 7578104 | N/A | N/A |
| 447 | XXXX | XXXX |  |  | Closed | 2026-01-26 09:23 | 2026-02-20 14:54 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-lender sent in updated 1003 to show the borrower was not applying for another loan at the same time, Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. updated 1003 - Buyer-02/20/2026 <br> Counter-Borrower stated on question 5D of the final application "Yes" 5D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? Did the borrower apply for another loan at the same time as this transaction? Was not disclosed on Final Application? We need answers to this question and proof that he did not apply for another loan, which was not disclosed at the time of the review. Finding remains. <br> - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Can you please provide some clarification as to what you are looking for to clear this item? - Buyer-02/11/2026 <br> Open-Missing supporting document for mortgage loan which will be applied on another property on or before closing subject transaction that is not disclosed on this loan application as per declaration section 5.D per final application. - Due Diligence Vendor-01/26/2026 |  | Resolved-lender sent in updated 1003 to show the borrower was not applying for another loan at the same time, Finding resolved. - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | TX | Investment | Purchase | NA | 7294394 | N/A | N/A |
| 447 | XXXX | XXXX |  |  | Closed | 2026-01-26 08:32 | 2026-02-10 08:02 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. econsent - Buyer-02/02/2026 <br> Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-01/26/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-02/10/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | TX | Investment | Purchase | NA | 7293313 | N/A | N/A |
| 450 | XXXX | XXXX |  |  | Closed | 2026-01-28 14:12 | 2026-02-13 13:53 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 46.49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/13/2026 <br> Ready for Review-UW explanation: The subject property is a 2-4 unit. Rental income is permitted per 8A.6(f)(vi) - Buyer-02/11/2026 <br> Open-Audited DTI of 52.45% exceeds Guideline DTI of 50% 1008&1003 considered Expected Monthly Rental Income - subject property as $1,987. There not Real Estate owned properties. - Due Diligence Vendor-01/28/2026 |  | Resolved-Audited DTI of 46.49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/13/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7337975 | N/A | N/A |
| 451 | XXXX | XXXX |  |  | Closed | 2026-01-25 15:24 | 2026-02-04 16:14 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure located on pg 36 of attached doc. Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-Disclosure provided. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. initial docs - Buyer-01/30/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-01/25/2026 |  | Resolved-Disclosure located on pg 36 of attached doc. Finding resolved. - Due Diligence Vendor-02/04/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-02/04/2026<br>| XXXX |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 7286715 | N/A | N/A |
| 453 | XXXX | XXXX |  |  | Closed | 2026-02-02 12:16 | 2026-02-02 12:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/02/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/02/2026<br>|  |  |  | OH | Investment | Purchase | NA | 7402376 | Investor Post-Close | No |
| 458 | XXXX | XXXX |  |  | Closed | 2026-02-20 06:10 | 2026-03-04 08:56 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached econsent. - Buyer-03/02/2026 <br> Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/20/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 7715865 | N/A | N/A |
| 462 | XXXX | XXXX |  |  | Closed | 2026-02-19 06:18 | 2026-03-03 15:32 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached showing econsent on 01-06-26. - Buyer-02/26/2026 <br> Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-02/19/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 7692756 | N/A | N/A |
| 462 | XXXX | XXXX |  |  | Closed | 2026-02-19 06:17 | 2026-03-03 15:32 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached showing econsent on 01-06-26. - Buyer-02/26/2026 <br> Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/19/2026 |  | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | GA | Primary Residence | Purchase | NA | 7692735 | N/A | N/A |
| 468 | XXXX | XXXX |  |  | Closed | 2026-01-20 13:11 | 2026-03-27 11:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/20/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/27/2026<br>|  |  |  | FL | Second Home | Purchase | NA | 7185466 | Investor Post-Close | No |
| 468 | XXXX | XXXX |  |  | Closed | 2026-01-20 13:02 | 2026-02-02 19:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-CD provided - Due Diligence Vendor-02/03/2026 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. you can match up the accounts paid off acct numbers to the new credit report to match up the accounts paid off with the november refi. - Buyer-01/29/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit liabilities marked payoff was paid off in other refinancing, however the o/s balance was not matching. Provide updated credit refresh or supplement to verify the payoff - Due Diligence Vendor-01/20/2026 |  | Resolved-CD provided - Due Diligence Vendor-02/03/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 7185264 | N/A | N/A |
| 468 | XXXX | XXXX |  |  | Closed | 2026-01-20 13:23 | 2026-02-02 19:35 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Insurance rcv'd. Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/29/2026 <br> Open-1.Missing proof of insurance for REO1. <br> 2.Additionally, the file contains payoff of credit liability accounts, however those were paid off in corresponding loan but the O/S balance are not matching the O/S balance in credit report. provide supplemental report or refresh credit to verify the O/S balance and status - Due Diligence Vendor-01/20/2026 |  | Resolved-Insurance rcv'd. Resolved. - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | FL | Second Home | Purchase | NA | 7185732 | N/A | N/A |
| 471 | XXXX | XXXX |  |  | Closed | 2026-01-23 07:31 | 2026-01-23 07:31 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026<br>|  |  |  | CT | Investment | Refinance | No Cash Out - Borrower Initiated | 7265920 | Investor Post-Close | No |
| 473 | XXXX | XXXX |  |  | Closed | 2026-01-25 04:26 | 2026-02-13 10:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Please see uploaded ID for borrower 2 - Buyer-02/10/2026 <br> Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-01/27/2026 |  | Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | UT | Primary Residence | Purchase | NA | 7283825 | N/A | N/A |
| 480 | XXXX | XXXX |  |  | Closed | 2025-12-20 08:59 | 2026-02-18 15:33 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Lender provided Valid DR Lic for B2, Finding resolved - Due Diligence Vendor-02/18/2026 <br> Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached IDs. - Buyer-02/17/2026 <br> Open-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/20/2025 |  | Resolved-Lender provided Valid XXXX for B2, Finding resolved - Due Diligence Vendor-02/18/2026 <br> Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6722830 | N/A | N/A |
| 480 | XXXX | XXXX |  |  | Closed | 2025-12-20 08:59 | 2026-02-18 15:33 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Lender provided Valid DR Lic for B1, Finding resolved - Due Diligence Vendor-02/18/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached IDs. - Buyer-02/17/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/20/2025 |  | Resolved-Lender provided Valid XXXX for B1, Finding resolved - Due Diligence Vendor-02/18/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 | XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6722829 | N/A | N/A |
| 491 | XXXX | XXXX |  |  | Closed | 2026-01-28 17:35 | 2026-02-04 15:08 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Addendum received. Resolved - Due Diligence Vendor-02/04/2026 <br> Resolved-The Note is Present - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached note and prepayment addendum. - Buyer-01/30/2026 <br> Open-The Note is Incomplete Missing Prepayment Penalty Addendum to Note - Due Diligence Vendor-01/28/2026 |  | Resolved-Addendum received. Resolved - Due Diligence Vendor-02/04/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-02/04/2026<br>| XXXX |  |  | ND | Investment | Purchase | NA | 7340801 | N/A | N/A |
| 498 | XXXX | XXXX |  |  | Closed | 2026-01-22 12:16 | 2026-02-18 15:47 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided HOI policy showing the amount of 3331/12 = 277.58, this amount covers subject property and XXXX with explanation. Finding resolved - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached policy for XXXX (subject property). The policy for XXXX is the same policy number and the premium is rolled into the policy for the subject property. The attached email explains this as well. - Investor-02/10/2026 <br> Counter-Lender provided insurance policy with explanation, however, still need to verify missing premium amount. Condition remains. - Due Diligence Vendor-02/10/2026 <br> Resolved-Received proof policy covers two properties. Resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Explanation from underwriter: Policy XXXX on XXXX shows "current home policy extends coverage to XXXX. Policy number matches the policy for the subject's HOI. Borrower explained this policy is covering both. Since this was an abnormal situation I hit both the subject and xxx with monthly HOI of $277.00 to be conservative. - Investor-02/06/2026 <br> Counter-Received insurance doc with missing premium amount. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Please see attached insurance. - Buyer-01/28/2026 <br> Open-B2 REO 3(C) Evidence to verify Insurance premium is Missing. - Due Diligence Vendor-01/22/2026 |  | Resolved-Lender provided HOI policy showing the amount of 3331/12 = 277.58, this amount covers subject property and XXXX with explanation. Finding resolved - Due Diligence Vendor-02/18/2026 <br> Resolved-Received proof policy covers two properties. Resolved. - Due Diligence Vendor-02/10/2026 | XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7249423 | N/A | N/A |
| 498 | XXXX | XXXX |  |  | Closed | 2026-01-22 12:17 | 2026-02-10 11:43 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received proof policy covers two properties. Resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-Received proof policy covers two properties. Resolved. - Due Diligence Vendor-02/10/2026 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Explanation from underwriter: Policy XXXX shows "current home policy extends coverage to XXXX. Policy number matches the policy for the subject's HOI. Borrower explained this policy is covering both. Since this was an abnormal situation I hit both the subject and XXX with monthly HOI of $277.00 to be conservative. - Investor-02/06/2026 <br> Counter-Received insurance doc with missing premium amount. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please see attached insurance. - Buyer-01/28/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements B2 REO 3(C) Evidence to verify Insurance premium is Missing. - Due Diligence Vendor-01/22/2026 |  | Resolved-Received proof policy covers two properties. Resolved. - Due Diligence Vendor-02/10/2026 <br>Resolved-Received proof policy covers two properties. Resolved. - Due Diligence Vendor-02/10/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7249441 | N/A | N/A |
| 498 | XXXX | XXXX |  |  | Closed | 2026-01-22 08:51 | 2026-02-04 16:19 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-disclosure received. Resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached HOC list disclosure. - Buyer-01/30/2026 <br> Counter-There is no attachment. Please resend. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-See attached disclosure. - Seller-01/28/2026 <br> Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure Missing - Due Diligence Vendor-01/22/2026 | Ready for Review-See attached disclosure. - Seller-01/28/2026<br>| Resolved-disclosure received. Resolved. - Due Diligence Vendor-02/04/2026 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/04/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7240594 | N/A | N/A |
| 500 | XXXX | XXXX |  |  | Closed | 2026-01-21 09:28 | 2026-02-02 13:33 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Credit report received. Resolved. - Due Diligence Vendor-02/02/2026 <br> Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please see attached credit report. - Buyer-01/28/2026 <br> Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing - Due Diligence Vendor-01/21/2026 |  | Resolved-Credit report received. Resolved. - Due Diligence Vendor-02/02/2026 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 7204610 | N/A | N/A |
| 500 | XXXX | XXXX |  |  | Closed | 2026-01-22 13:31 | 2026-02-02 13:32 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Credit report provided. Resolved. - Due Diligence Vendor-02/02/2026 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Please see attached credit report. - Buyer-01/28/2026 <br>Open-ATR Risk - Credit History taken into consideration does not meet requirements Borrower 1 Credit Report is Missing - Due Diligence Vendor-01/22/2026 |  | Resolved-Credit report provided. Resolved. - Due Diligence Vendor-02/02/2026 <br>Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-02/02/2026<br>| XXXX |  |  | PA | Primary Residence | Purchase | NA | 7252190 | N/A | N/A |
| 502 | XXXX | XXXX |  |  | Closed | 2026-02-16 18:41 | 2026-04-06 17:32 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Signed and dated 4506C provided for B1, finding resolved - Due Diligence Vendor-02/19/2026 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. 4506c - Buyer-02/18/2026 <br>Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-02/17/2026 |  | Resolved-Signed and dated 4506C provided for B1, finding resolved - Due Diligence Vendor-02/19/2026 <br>Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | MI | Investment | Purchase | NA | 7643534 | N/A | N/A |
| 502 | XXXX | XXXX |  |  | Closed | 2026-02-16 18:41 | 2026-04-06 17:32 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Signed and dated 4506C provided for B2, finding resolved - Due Diligence Vendor-02/19/2026 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. 4506c - Buyer-02/18/2026 <br>Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-02/17/2026 |  | Resolved-Signed and dated 4506C provided for B2, finding resolved - Due Diligence Vendor-02/19/2026 <br>Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | MI | Investment | Purchase | NA | 7643535 | N/A | N/A |
| 506 | XXXX | XXXX |  |  | Closed | 2026-01-23 12:51 | 2026-02-02 20:59 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Effective date updated. Rescinded. - Due Diligence Vendor-02/03/2026 <br>Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/03/2026 <br>Ready for Review-License attached to appraisal is valid from 01-15-24 to 01-14-26. - Buyer-01/29/2026 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-01/23/2026 |  | Resolved-Effective date updated. Rescinded. - Due Diligence Vendor-02/03/2026 <br>Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/03/2026<br>|  |  |  | NY | Primary Residence | Refinance | Cash Out - Other | 7275998 | N/A | N/A |
| 511 | XXXX | XXXX |  |  | Closed | 2026-02-12 11:29 | 2026-03-11 13:05 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached homeownership counseling disclosure. - Buyer-03/09/2026 <br> Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/11/2026<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7587031 | N/A | N/A |
| 511 | XXXX | XXXX |  |  | Closed | 2026-02-14 02:59 | 2026-02-20 15:16 | Resolved | 1 - Information | Compliance | Mavent | Late: Amount | Resolved-Re-ran Mavent, finding removed, Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Response from Compliance: Our 5% late fee is less than the maximum of 10% allowed by law, as the law states we are allowed to charge the greater of 10% or $5. - Seller-02/19/2026 <br> Open-The ($230.74) late fee amount, the (5.0%) late fee percent, or the ($230.74) maximum late fee amount exceed the threshold. Under the California Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. (Cal. Bus. & Prof. Code 10242.5) Late Charge % updated as per Note - Due Diligence Vendor-02/14/2026 <br> Open- - Due Diligence Vendor-02/14/2026 | Ready for Review-Response from Compliance: Our 5% late fee is less than the maximum of 10% allowed by law, as the law states we are allowed to charge the greater of 10% or $5. - Seller-02/19/2026<br>| Resolved-Re-ran Mavent, finding removed, Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/20/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7621757 | N/A | N/A |
| 511 | XXXX | XXXX |  |  | Closed | 2026-02-12 12:53 | 2026-02-20 15:14 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Review loan, one appraisal was transferred, and update appraisal was electronically sent to borrower in a timely fashion, Finding resolved - Due Diligence Vendor-02/20/2026 <br> Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Please see attached appraisal delivery letter. - Investor-02/19/2026 <br> Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of 01/09/2026 is after the Primary Appraisal Delivery Date of 07/23/2025. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/12/2026 |  | Resolved-Review loan, one appraisal was transferred, and update appraisal was electronically sent to borrower in a timely fashion, Finding resolved - Due Diligence Vendor-02/20/2026 <br>Resolved-ECOA Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7588876 | N/A | N/A |
| 511 | XXXX | XXXX |  |  | Closed | 2026-02-12 12:53 | 2026-02-20 15:14 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Review loan, one appraisal was transferred, and update appraisal was electronically sent to borrower in a timely fashion, Finding resolved - Due Diligence Vendor-02/20/2026 <br> Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached delivery letter. - Investor-02/19/2026 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of 01/09/2026 is after the Primary Appraisal Delivery Date of 07/23/2025. - Due Diligence Vendor-02/12/2026 |  | Resolved-Review loan, one appraisal was transferred, and update appraisal was electronically sent to borrower in a timely fashion, Finding resolved - Due Diligence Vendor-02/20/2026 <br>Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/20/2026<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7588875 | N/A | N/A |
| 511 | XXXX | XXXX |  |  | Closed | 2026-02-12 12:45 | 2026-02-20 15:14 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Review loan, one appraisal was transferred, and update appraisal was electronically sent to borrower in a timely fashion, Finding resolved - Due Diligence Vendor-02/20/2026 <br> Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-The initial appraisal was dated prior to the application date and was transferred. - Investor-02/19/2026 <br> Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-02/12/2026 |  | Resolved-Review loan, one appraisal was transferred, and update appraisal was electronically sent to borrower in a timely fashion, Finding resolved - Due Diligence Vendor-02/20/2026 <br>Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-02/20/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7588726 | N/A | N/A |
| 514 | XXXX | XXXX |  |  | Closed | 2026-01-28 02:11 | 2026-01-28 13:06 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice is Missing. - Due Diligence Vendor-01/28/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice is Missing. - Due Diligence Vendor-01/28/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | 7324505 | Investor Post-Close | No |
| 522 | XXXX | XXXX |  |  | Closed | 2026-01-21 16:28 | 2026-01-21 16:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/21/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/21/2026<br>|  |  |  | AZ | Primary Residence | Purchase | NA | 7227135 | Investor Post-Close | No |
| 524 | XXXX | XXXX |  |  | Closed | 2026-02-20 05:00 | 2026-03-03 16:35 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided property tax bill with property report for 2nd home. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached tax bill for 2nd home and property report. - Investor-02/27/2026 <br> Open-The second home's tax history does not meet guideline requirements; the tax payment of $155.58 was not verified. - Due Diligence Vendor-02/20/2026 |  | Resolved-Lender provided property tax bill with property report for 2nd home. Finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 7714623 | N/A | N/A |
| 524 | XXXX | XXXX |  |  | Closed | 2026-02-20 04:51 | 2026-03-03 16:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided property tax bill with property report for 2nd home. Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached tax bill for 2nd home and property report. - Investor-02/27/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The second home's tax history does not meet guideline requirements; the tax payment of $155.58 was not verified. - Due Diligence Vendor-02/20/2026 |  | Resolved-Lender provided property tax bill with property report for 2nd home. Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 7714555 | N/A | N/A |
| 524 | XXXX | XXXX |  |  | Closed | 2026-02-20 03:45 | 2026-03-03 16:34 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-homeownership Counseling Disclosure provided, Finding resolved. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached initial disclosures sent on XX/XX/XXXX, Homeownership Counseling is on pages 48-52. - Buyer-02/27/2026 <br> Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 |  | Resolved-homeownership Counseling Disclosure provided, Finding resolved. - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 7714100 | N/A | N/A |
| 525 | XXXX | XXXX |  |  | Closed | 2026-01-07 07:26 | 2026-02-04 14:33 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Renewed ID received. Resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached ID. - Buyer-01/30/2026 <br> Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-01/07/2026 |  | Resolved-Renewed ID received. Resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/04/2026 | XXXX |  |  | MD | Investment | Refinance | No Cash Out - Borrower Initiated | 6955721 | N/A | N/A |
| 526 | XXXX | XXXX |  |  | Closed | 2026-01-21 12:51 | 2026-02-09 13:43 | Resolved | 1 - Information | Credit | Insurance | Other Property Insurance Policy Expiration Date is before the Note Date | Resolved-Other Property Insurance Policy Expiration Date of XX/XX/XXXX is equal to or after the Note Date of XX/XX/XXXX or Other Property Insurance Coverage is Not Applicable - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached hazard renewal. - Buyer-02/04/2026 <br> Open-The file contains a copy of the current premium bill notice that was paid on the final CD. However, the policy declaration/evidence of insurance is expired. - Due Diligence Vendor-02/02/2026 <br> Open-Other Property Insurance Policy Expiration Date of XX/XX/XXXX is prior to the Note Date of XX/XX/XXXX - Due Diligence Vendor-01/21/2026 |  | Resolved-Other Property Insurance Policy Expiration Date of XX/XX/XXXX is equal to or after the Note Date of XX/XX/XXXX or Other Property Insurance Coverage is Not Applicable - Due Diligence Vendor-02/09/2026 | XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7219910 | N/A | N/A |
| 526 | XXXX | XXXX |  |  | Closed | 2026-01-21 12:52 | 2026-02-09 13:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Current hazard policy provided. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-UW response: <br>The file contains two HO-3 policies for consecutive policy periods. Please confirm whether the finding is due to both annual premiums being included in PITIA rather than only the policy in force as of the note date. Additionally, advise if there is any specific tax assessment or HOA component you believe is missing, as the 1008 reflects taxes $1,448.30 and HOA $33.33 on a 12-month basis.<br>\*\*\* Please provide clarification regarding what is missing. - Investor-02/05/2026 <br> Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-01/21/2026 |  | Resolved-Current hazard policy provided. - Due Diligence Vendor-02/09/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7219929 | N/A | N/A |
| 526 | XXXX | XXXX |  |  | Closed | 2026-01-21 13:06 | 2026-02-09 13:39 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/02/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-01/21/2026 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/02/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7221028 | N/A | N/A |
| 526 | XXXX | XXXX |  |  | Closed | 2026-01-21 12:26 | 2026-02-02 13:43 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Bank Statement received. Resolved. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please see attached bank statement. - Investor-01/28/2026 <br> Open-05/01/2025-05/30/2025 Bank statement for account XXXX is missing - Due Diligence Vendor-01/21/2026 |  | Resolved-Bank Statement received. Resolved. - Due Diligence Vendor-02/02/2026<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7219429 | N/A | N/A |
| 530 | XXXX | XXXX |  |  | Closed | 2026-01-11 15:35 | 2026-02-11 12:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mortgage payment histories received and guides have been met. Finding resolved. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-DSCR product does not require documentation to support properties in REO are free and clear. no mortgages are reported on credit report and no active MERS for either property. - Investor-02/03/2026 <br> Counter-Payment history for the subject property received; however, payment histories for XXXX and XXXX are still missing. Finding remains. - Due Diligence Vendor-01/28/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. vom - Investor-01/27/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of mortgage for borrower 1 primary residence is missing. Missing verification REO 3a (XXXX) and 3e (XXXX) is free and clear. Verification of mortgage for subject property is missing. - Due Diligence Vendor-01/11/2026 |  | Resolved-Mortgage payment histories received and guides have been met. Finding resolved. - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NC | Investment | Refinance | No Cash Out - Borrower Initiated | 7027243 | N/A | N/A |
| 530 | XXXX | XXXX |  |  | Closed | 2026-01-05 11:45 | 2026-01-23 14:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. COGS - Investor-01/22/2026 <br> Open-Missing Evidence of Good Standing. Missing Evidence of Good Standing - Due Diligence Vendor-01/05/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-01/23/2026<br>| XXXX |  |  | NC | Investment | Refinance | No Cash Out - Borrower Initiated | 6917741 | N/A | N/A |
| 530 | XXXX | XXXX |  |  | Closed | 2026-01-11 15:22 | 2026-01-23 14:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. EIN - Seller-01/22/2026 <br> Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-01/11/2026 | Ready for Review-Document Uploaded. EIN - Seller-01/22/2026<br>| Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-01/23/2026<br>| XXXX |  |  | NC | Investment | Refinance | No Cash Out - Borrower Initiated | 7027208 | N/A | N/A |
| 530 | XXXX | XXXX |  |  | Closed | 2026-01-05 11:45 | 2026-01-23 13:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Resolved. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. operation agreement - Investor-01/22/2026 <br> Open-The loan file is missing an operating agreement or other documentation to verify ownership. Missing Operating Agreement<br> - Due Diligence Vendor-01/05/2026 |  | Resolved-Resolved. - Due Diligence Vendor-01/23/2026<br>| XXXX |  |  | NC | Investment | Refinance | No Cash Out - Borrower Initiated | 6917747 | N/A | N/A |
| 536 | XXXX | XXXX |  |  | Closed | 2026-01-22 14:55 | 2026-02-02 20:41 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Questionnaire provided. Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. condo questionaire - Buyer-01/29/2026 <br> Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply.<br> - Due Diligence Vendor-01/22/2026 |  | Resolved-Questionnaire provided. Resolved. - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | HI | Primary Residence | Refinance | Cash Out - Other | 7253934 | N/A | N/A |
| 538 | XXXX | XXXX |  |  | Closed | 2026-02-09 12:19 | 2026-02-26 14:37 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received COCs. Condition cleared. - Due Diligence Vendor-02/26/2026 <br> Resolved- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Please provide clarification regarding which fees you are needing a COC for. - Investor-02/18/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,306.88) were applied to the total fee variance of ($4,268.73) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC missing in file - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received COCs. Condition cleared. - Due Diligence Vendor-02/26/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7520450 | N/A | N/A |
| 538 | XXXX | XXXX |  |  | Closed | 2026-02-09 12:19 | 2026-02-26 14:36 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COCs. Condition cleared. - Due Diligence Vendor-02/26/2026 <br> Resolved- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Please provide clarification regarding which fees you are needing a COC for. - Buyer-02/18/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,306.88) were applied to the total fee variance of ($4,268.73) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. COC missing in file - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Received COCs. Condition cleared. - Due Diligence Vendor-02/26/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7520449 | N/A | N/A |
| 540 | XXXX | XXXX |  |  | Closed | 2026-01-21 12:05 | 2026-02-13 10:48 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged- - Due Diligence Vendor-02/13/2026 <br> Open-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Acknowledged-. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 |  | Acknowledged- - Due Diligence Vendor-02/13/2026 <br> Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 <br> Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/10/2026 <br> Acknowledged-. - Due Diligence Vendor-02/10/2026 <br> Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/28/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-01/21/2026 |  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7218581 | Investor Post-Close | No |
| 540 | XXXX | XXXX |  |  | Closed | 2026-01-22 13:26 | 2026-02-13 10:45 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Please see attached COC. - Buyer-02/11/2026 <br> Counter-A Lender Credit for Excess Charges of ($23.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($120.00) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Appraisal Desk Review fee was added to the Final LE dated XX/XX/XXXX, which the COC was provided however it does not state what fees are covered. Finding remains. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open-A Lender Credit for Excess Charges of ($23.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($483.50) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached COC. - Investor-02/03/2026 <br> Counter-Fees that cannot increase: Flood cert, MERS, Tax service and Desk review fees were added to the XX/XX/XXXX LE. Charges that can increase by 10%: CPL $74.20, Title ins $16.50, Title Endorsement $69, Lenders title $364.80 were also added after the initial LE. The XX/XX/XXXX COC in file does not state which fees were affected by the program change. Provide a valid COC or Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Please provide clarification regarding which fees are out of tolerance according to your findings. - Seller-01/27/2026 <br> Open-A Lender Credit for Excess Charges of ($23.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($598.20) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. coc is missing - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 | Ready for Review-Please provide clarification regarding which fees are out of tolerance according to your findings. - Seller-01/27/2026<br>| Resolved- - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7252093 | N/A | N/A |
| 540 | XXXX | XXXX |  |  | Closed | 2026-01-22 13:26 | 2026-02-13 10:45 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Please see attached COC. - Buyer-02/11/2026 <br> Counter-A Lender Credit for Excess Charges of ($23.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($120.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Appraisal Desk Review fee was added to the Final LE dated XX/XX/XXXX, which the COC was provided however it does not state what fees are covered. Finding remains. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open-A Lender Credit for Excess Charges of ($23.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($483.50) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached COC. - Investor-02/03/2026 <br> Counter-Fees that cannot increase: Flood cert, MERS, Tax service and Desk review fees were added to the XX/XX/XXXX LE. Charges that can increase by 10%: CPL $74.20, Title ins $16.50, Title Endorsement $69, Lenders title $364.80 were also added after the initial LE. The XX/XX/XXXX COC in file does not state which fees were affected by the program change. Provide a valid COC or Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Please provide clarification regarding which fees are out of tolerance according to your findings. - Buyer-01/27/2026 <br> Open-A Lender Credit for Excess Charges of ($23.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($598.20) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. coc is missing - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 |  | Resolved- - Due Diligence Vendor-02/13/2026<br>| XXXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7252094 | N/A | N/A |
| 542 | XXXX | XXXX |  |  | Closed | 2026-01-21 16:19 | 2026-02-09 14:33 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached credit report. - Buyer-02/03/2026 <br> Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/22/2026 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/09/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7226961 | N/A | N/A |
| 542 | XXXX | XXXX |  |  | Closed | 2026-01-21 16:19 | 2026-02-09 14:33 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached credit report. - Buyer-02/03/2026 <br> Open-Borrower 2 Credit Report is Missing. Borrower 2 Credit Report is Missing - Due Diligence Vendor-01/22/2026 |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/09/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7226962 | N/A | N/A |
| 543 | XXXX | XXXX |  |  | Closed | 2026-01-30 07:46 | 2026-02-11 14:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Please see attached business purpose certficate. - Buyer-02/05/2026 <br> Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-01/30/2026 |  | Resolved-Business Purpose Affidavit received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | CT | Investment | Refinance | Cash Out - Other | 7371031 | N/A | N/A |
| 545 | XXXX | XXXX |  |  | Closed | 2026-01-13 07:44 | 2026-03-27 13:09 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Finding resolved - Due Diligence Vendor-01/21/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. tg statement in file for XXXX shows mtg on primary is not in bwr name. - Buyer-01/14/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing payment history for primary residence. - Due Diligence Vendor-01/13/2026 |  | Resolved-Finding resolved - Due Diligence Vendor-01/21/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-01/21/2026<br>| XXXX |  |  | OH | Investment | Purchase | NA | 7058933 | N/A | N/A |
| 545 | XXXX | XXXX |  |  | Closed | 2026-01-13 11:10 | 2026-02-11 15:48 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received executed Escrow Holdback Agreement for $2,450 for completion of seeding/sodding. Loan meets Escrow Holdback Policy, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Sod cannot be completed on this loan until after winter - Investor-02/09/2026 <br> Counter-Pending completion for sod, finding maintained. - Due Diligence Vendor-01/19/2026 <br> Ready for Review-There is an escrow holdback in place for the completion of sodding - Buyer-01/14/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-01/13/2026 |  | Resolved-Received executed Escrow Holdback Agreement for $2,450 for completion of seeding/sodding. Loan meets Escrow Holdback Policy, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | OH | Investment | Purchase | NA | 7066351 | N/A | N/A |
| 547 | XXXX | XXXX |  |  | Closed | 2026-02-20 13:01 | 2026-03-30 14:40 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/09/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements . - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Property in question is SFR with NO HOA dues - Buyer-03/05/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements. Missing Evidence of HOA Dues for REO 3C disclosed on final 1003. - Due Diligence Vendor-02/20/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/09/2026<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7727265 | N/A | N/A |
| 547 | XXXX | XXXX |  |  | Closed | 2026-02-20 13:00 | 2026-03-09 11:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for REO1 | Resolved-Document received, finding resolved - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. Property in question is SFR with NO HOA dues - Buyer-03/05/2026 <br>Open-Missing Evidence of HOA Dues for REO1 Missing Evidence of HOA Dues for REO 3C disclosed on final 1003. - Due Diligence Vendor-02/20/2026 |  | Resolved-Document received, finding resolved - Due Diligence Vendor-03/09/2026<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7727244 | N/A | N/A |
| 550 | XXXX | XXXX |  |  | Closed | 2025-11-13 13:06 | 2025-11-14 11:03 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Subject property is a unique property type - XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/14/2025 |  | Waived-Subject property is a unique property type - XXXX. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-11/14/2025 |  |  | XXXX<br> -75% LTV <br> - Marketability supported | WA | Investment | Purchase | NA | 6242999 | Originator Pre-Close | Yes |
| 550 | XXXX | XXXX |  |  | Closed | 2025-11-14 10:54 | 2025-11-14 10:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/14/2025<br>|  |  |  | WA | Investment | Purchase | NA | 6255447 | Investor Post-Close | No |
| 552 | XXXX | XXXX |  |  | Closed | 2026-02-18 11:01 | 2026-02-18 11:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/18/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/18/2026<br>|  |  |  | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7680281 | Investor Post-Close | No |
| 556 | XXXX | XXXX |  |  | Closed | 2026-01-23 16:54 | 2026-02-02 19:16 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC updated. Resolved. - Due Diligence Vendor-02/03/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/03/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. coc - Buyer-01/29/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Insufficient Change of Circumstance (50001252) - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 |  | Resolved-COC updated. Resolved. - Due Diligence Vendor-02/03/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | UT | Investment | Purchase | NA | 7280862 | N/A | N/A |
| 556 | XXXX | XXXX |  |  | Closed | 2026-01-23 16:54 | 2026-02-02 19:16 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-COC updated. Resolved. - Due Diligence Vendor-02/03/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/03/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. coc - Investor-01/29/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Charges That Cannot Increase Test (50001251) - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 |  | Resolved-COC updated. Resolved. - Due Diligence Vendor-02/03/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | UT | Investment | Purchase | NA | 7280861 | N/A | N/A |
| 559 | XXXX | XXXX |  |  | Closed | 2026-02-04 08:58 | 2026-02-25 15:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Valid driver's license provided for B1, Finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. DL - Buyer-02/24/2026 <br> Open-Missing Borrower Identification - Borrower 1. Borrower Identification is missing in file. - Due Diligence Vendor-02/05/2026 |  | Resolved-Valid driver's license provided for B1, Finding resolved. - Due Diligence Vendor-02/25/2026 <br>Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/25/2026<br>| XXXX |  |  | MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7437849 | N/A | N/A |
| 559 | XXXX | XXXX |  |  | Closed | 2026-02-05 07:44 | 2026-02-18 16:51 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title policy with correct amount of insurance coverage of $XXXX provided. Finding resolved. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXX - Due Diligence Vendor-02/18/2026 <br> Ready for Review-title - Buyer-02/18/2026 <br> Open-Title Coverage Amount of $XXXX is Less than Total Amount of Subject Lien(s) of $XXXX - Due Diligence Vendor-02/05/2026 |  | Resolved-Title policy with correct amount of insurance coverage of $XXXX provided. Finding resolved. - Due Diligence Vendor-02/18/2026 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXX - Due Diligence Vendor-02/18/2026 | XXXX |  |  | MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7460844 | N/A | N/A |
| 560 | XXXX | XXXX |  |  | Closed | 2026-02-25 16:38 | 2026-03-04 08:51 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Lender provided initial disclosures including New York pamphlet "What Mortgage Applicants Need to Know" Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. initial docs 01/14/26 - Buyer-03/03/2026 <br>Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-02/25/2026 |  | Resolved-Lender provided initial disclosures including New York pamphlet "What Mortgage Applicants Need to Know" Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | NY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7812247 | N/A | N/A |
| 561 | XXXX | XXXX |  |  | Closed | 2026-02-02 09:56 | 2026-03-09 10:20 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-03/05/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC for appraisal fee is missing - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/09/2026<br>| XXXX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 7398426 | N/A | N/A |
| 561 | XXXX | XXXX |  |  | Closed | 2026-02-02 09:56 | 2026-03-09 10:20 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026 <br> Resolved-Resolved - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached cure package. - Buyer-03/05/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). COC for appraisal fee is missing - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 |  | Resolved-Documentation received, finding resolved - Due Diligence Vendor-03/09/2026 <br>Resolved-Resolved - Due Diligence Vendor-03/09/2026<br>| XXXX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 7398425 | N/A | N/A |
| 562 | XXXX | XXXX |  |  | Closed | 2026-01-22 17:21 | 2026-02-02 20:37 | Resolved | 1 - Information | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Questionnaire and lender condotel approval provided. Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see attached questionnaire and approval. - Buyer-01/29/2026 <br> Open-Questionnaire document is missing - Due Diligence Vendor-01/22/2026 |  | Resolved-Questionnaire and lender condotel approval provided. Resolved. - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | HI | Investment | Refinance | No Cash Out - Borrower Initiated | 7257294 | N/A | N/A |
| 564 | XXXX | XXXX |  |  | Closed | 2026-01-29 10:18 | 2026-02-11 14:27 | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Received final title policy, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Title Document is not Missing - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Please see attached title policy. - Buyer-02/05/2026 <br> Counter- Document provided does not have Schedules. Provide complete title commitment with all Schedules (Schedule A, Schedule B, etc.) Finding remains. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see attached title commitment. - Buyer-01/30/2026 <br> Open-Title Document is missing The loan file is missing a complete copy of the Title Commitment or a Final Title Policy - Due Diligence Vendor-01/29/2026 |  | Resolved-Received final title policy, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Title Document is not Missing - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7353075 | N/A | N/A |
| 567 | XXXX | XXXX |  |  | Closed | 2026-02-03 07:43 | 2026-02-03 07:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/03/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | 7414068 | Investor Post-Close | No |
| 570 | XXXX | XXXX |  |  | Closed | 2026-01-28 05:37 | 2026-02-11 14:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity Tax ID | Resolved-Business Entity Tax ID received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Please see attached entity Tax ID - Buyer-02/06/2026 <br> Open-Missing Borrowing Entity Tax ID. - Due Diligence Vendor-01/28/2026 |  | Resolved-Business Entity Tax ID received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Borrowing Entity Tax ID provided - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NY | Investment | Purchase | NA | 7325692 | N/A | N/A |
| 571 | XXXX | XXXX |  |  | Closed | 2026-01-29 13:43 | 2026-02-11 13:14 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Appraiser's license received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. appraiser license - Buyer-02/03/2026 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date There is no evidence either within the file or the ASC Database that the appraiser was licensed at the time the property was inspected and the report prepared. - Due Diligence Vendor-01/29/2026 |  | Resolved-Appraiser's license received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 7357774 | N/A | N/A |
| 572 | XXXX | XXXX |  |  | Closed | 2026-03-09 15:25 | 2026-03-10 07:34 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely | Acknowledged-ECOA Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - Due Diligence Vendor-03/09/2026 |  | Acknowledged-ECOA Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - Due Diligence Vendor-03/09/2026<br>|  |  |  | NJ | Investment | Purchase | NA | 8006100 | Investor Post-Close | No |
| 575 | XXXX | XXXX |  |  | Closed | 2026-02-19 06:36 | 2026-03-11 17:40 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender provided final CD showing Cash to borrower and large EMD. Corrected Final Closing disclosure. Also verified EMD with Settlement statements from refinances of other properties. - Due Diligence Vendor-03/11/2026 <br> Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. The borrower received cash back at closing of $XXXX. They did not have to bring any funds to closing so the reserves are accurate of $43,690. CD attached. - Buyer-03/10/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $<<43,691>> less cash to close of $<<-XXXX>> and less unverified EMD of $<<194,509>> results in $<<11836.68>> shortage of funds to close. - Due Diligence Vendor-02/19/2026 |  | Resolved-Lender provided final CD showing Cash to borrower and large EMD. Corrected Final Closing disclosure. Also verified EMD with Settlement statements from refinances of other properties. - Due Diligence Vendor-03/11/2026 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/11/2026<br>| XXXX |  |  | OR | Investment | Purchase | NA | 7693786 | N/A | N/A |
| 575 | XXXX | XXXX |  |  | Closed | 2026-02-19 06:36 | 2026-03-11 17:40 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Lender provided final CD showing Cash to borrower and large EMD. Corrected Final Closing disclosure. Also verified EMD with Settlement statements from refinances of other properties. - Due Diligence Vendor-03/11/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $43691 is equal to or greater than Total Required Reserve Amount of $23673.36 - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. The borrower received cash back at closing of $26,535.77. They did not have to bring any funds to closing so the reserves are accurate of $43,690. CD attached. - Buyer-03/10/2026 <br>Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $11836.68 - Due Diligence Vendor-02/19/2026 |  | Resolved-Lender provided final CD showing Cash to borrower and large EMD. Corrected Final Closing disclosure. Also verified EMD with Settlement statements from refinances of other properties. - Due Diligence Vendor-03/11/2026 <br>Resolved-Total Qualified Assets for Reserves Post-Close of $43691 is equal to or greater than Total Required Reserve Amount of $23673.36 - Due Diligence Vendor-03/11/2026<br>| XXXX |  |  | OR | Investment | Purchase | NA | 7693785 | N/A | N/A |
| 586 | XXXX | XXXX |  |  | Closed | 2026-01-23 14:00 | 2026-02-10 08:11 | Resolved | 1 - Information | Property | Missing Doc | Incomplete Appraisal (Property) | Resolved-Lender provided full appraisal with the borrower's name. Finding resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. appraisal - Buyer-02/04/2026 <br> Open-All pages of appraisal were not provided. Provided appraisal showing different borrower name instead of borrower name and CDA also showing. Please provided revised appraisal with borrower name - Due Diligence Vendor-01/23/2026 |  | Resolved-Lender provided full appraisal with the borrower's name. Finding resolved. - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | OH | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7277391 | N/A | N/A |
| 587 | XXXX | XXXX |  |  | Closed | 2026-02-14 00:59 | 2026-03-04 09:18 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Non-US Document Identification is expired | Resolved-Lender provided Automatic EAD Extension. EAD category A12 has automatic extension. I-797C was also in file confirming extension request, which is automatically approved per the USCIS website. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Resolved-Borrower Non-US identity document expiration date is 01-23-2026 and note is dated 01-23-2026. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Uploaded Automatic EAD Extension. EAD category A12 has automatic extension. I-797C was also in file confirming extension request, which is automatically approved per the USCIS website - Investor-03/02/2026 <br> Counter-Received a copy of DL, however the 2nd form of ID for non-US identity document of USA Employment Authorization Card expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX . B1 ID updated with acceptable documentation. Finding remains. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Copy of the borrower DL - Investor-02/18/2026 <br> Open-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. B1 ID updated with acceptable documentation. - Due Diligence Vendor-02/14/2026 |  | Resolved-Lender provided Automatic EAD Extension. EAD category A12 has automatic extension. I-797C was also in file confirming extension request, which is automatically approved per the USCIS website. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Borrower Non-US identity document expiration date is 01-23-2026 and note is dated 01-23-2026. - Due Diligence Vendor-03/04/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7621564 | N/A | N/A |
| 587 | XXXX | XXXX |  |  | Closed | 2026-02-14 09:18 | 2026-02-25 16:10 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Apply COCs in the loan file, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved- - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Can you please specify for what fees you are missing the COC. Thanks. - Investor-02/24/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,990.00) were applied to the total fee variance of ($3,844.04) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Lender Credit for Excess Charges of 1,854.04, COC is missing for the lender credit. - Due Diligence Vendor-02/14/2026 <br> Open- - Due Diligence Vendor-02/14/2026 |  | Resolved-Apply COCs in the loan file, finding resolved. - Due Diligence Vendor-02/25/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7622425 | N/A | N/A |
| 587 | XXXX | XXXX |  |  | Closed | 2026-02-14 09:18 | 2026-02-25 16:10 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Apply COCs in the loan file, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved- - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Can you please specify for what fees you are missing the COC. Thanks. - Buyer-02/24/2026 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,990.00) were applied to the total fee variance of ($3,844.04) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Lender Credit for Excess Charges of 1,854.04, COC is missing for the lender credit. - Due Diligence Vendor-02/14/2026 <br> Open- - Due Diligence Vendor-02/14/2026 |  | Resolved-Apply COCs in the loan file, finding resolved. - Due Diligence Vendor-02/25/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7622424 | N/A | N/A |
| 587 | XXXX | XXXX |  |  | Closed | 2026-02-14 05:08 | 2026-02-14 05:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 7621976 | Investor Post-Close | No |
| 592 | XXXX | XXXX |  |  | Closed | 2026-02-14 07:40 | 2026-02-14 07:41 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/14/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7622199 | N/A | N/A |
| 593 | XXXX | XXXX |  |  | Closed | 2026-03-06 13:54 | 2026-03-12 15:51 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided documentation of the initial CD being received within 3 days - Due Diligence Vendor-03/12/2026 <br> Resolved- - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. XXXX shows both borrowers opened the docs on 02/17/26 - Buyer-03/12/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 |  | Resolved-Lender provided documentation of the initial CD being received within 3 days - Due Diligence Vendor-03/12/2026<br>| XXXX |  |  | NC | Primary Residence | Purchase | NA | 7978138 | N/A | N/A |
| 594 | XXXX | XXXX |  |  | Closed | 2026-03-31 12:32 | 2026-03-31 12:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/31/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/31/2026<br>|  |  |  | NY | Primary Residence | Purchase | NA | 8410407 | Investor Post-Close | No |
| 594 | XXXX | XXXX |  |  | Closed | 2026-01-25 12:13 | 2026-02-04 16:22 | Resolved | 1 - Information | Compliance | Disclosure | Missing "What Mortgage Applicants Need to Know" Pamphlet | Resolved-Disclosure received. Resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-Disclosure provided. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. initial docs - Buyer-01/30/2026 <br> Open-Missing the New York pamphlet "What Mortgage Applicants Need to Know" which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/11/2025. - Due Diligence Vendor-01/25/2026 |  | Resolved-Disclosure received. Resolved. - Due Diligence Vendor-02/04/2026 <br>Resolved-Disclosure provided. - Due Diligence Vendor-02/04/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7284434 | N/A | N/A |
| 602 | XXXX | XXXX |  |  | Closed | 2026-01-11 09:15 | 2026-03-27 11:18 | Resolved | 1 - Information | Credit | Missing Doc | Missing Entity Documents | Resolved-Operating agreement received, finding resolved. - Due Diligence Vendor-03/27/2026 <br> Cured-Resolved. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. operation agreement - Investor-01/22/2026 <br> Open-Missing Entity Documents. The file doesn't contain proof of business formation, an operating agreement and verification of the borrower's ownership percentage for the borrowing LLC. - Due Diligence Vendor-01/11/2026 |  | Resolved-Operating agreement received, finding resolved. - Due Diligence Vendor-03/27/2026 <br>Cured-Resolved. - Due Diligence Vendor-01/23/2026<br>| XXXX |  |  | NY | Investment | Purchase | NA | 7026094 | N/A | N/A |
| 602 | XXXX | XXXX |  |  | Closed | 2026-01-05 09:39 | 2026-02-11 17:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. LOE on COG - Buyer-02/11/2026 <br> Counter-Document provided is not acceptable. Smart Series Guidelines - Vesting Options, requires verification that the LLC is in good standing with the applicable state registration. The form the State on NY issues to comply with this requirement is called Certificate of Status. Is can be obtained by following the ordering instructions here: https://dos.ny.gov/certificate-status . You may also search, how to get ny state certificate of good standing ' for a link to the State website and more information. Finding not resolved. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. THIS IS ALL THAT IS AVAILABLE and accepted by the title company - Buyer-01/30/2026 <br> Counter-Document provided is not a NY Certificate of Status. NY Document Authentication Site listed at the bottom of the document indicates it is just a "Certified Copy" document. Finding remains. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. COGS - Seller-01/22/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. COGS - Seller-01/22/2026<br>| Resolved-Evidence of Good Standing received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Evidence of Good Standing provided - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | NY | Investment | Purchase | NA | 6914315 | N/A | N/A |
| 602 | XXXX | XXXX |  |  | Closed | 2026-01-11 08:32 | 2026-01-27 14:49 | Resolved | 1 - Information | Compliance | Closing | The Note is Not Executed | Resolved-Executed copy of Note received, finding resolved. - Due Diligence Vendor-01/27/2026 <br> Resolved-The Note is Executed - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. note - Investor-01/26/2026 <br> Open-The Note is Not Executed Please provide a signed copy of the Note for review. - Due Diligence Vendor-01/11/2026 |  | Resolved-Executed copy of Note received, finding resolved. - Due Diligence Vendor-01/27/2026 <br>Resolved-The Note is Executed - Due Diligence Vendor-01/27/2026<br>| XXXX |  |  | NY | Investment | Purchase | NA | 7025965 | N/A | N/A |
| 604 | XXXX | XXXX |  |  | Closed | 2026-01-24 11:34 | 2026-02-10 11:36 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-lender provided the appraisal waiver with the acknowledgement of receipt of appraisal, finding resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. Please see attached waiver signed by borrower and proof of delivery for the appraisal. - Buyer-02/06/2026 <br> Counter-Received a delivery email dated XX/XX/XXXX but appraisal was not completed until XX/XX/XXXX. Condition remains. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Please see attached appraisal delivery email. - Buyer-02/02/2026 <br> Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - Due Diligence Vendor-01/24/2026 |  | Resolved-lender provided the appraisal waiver with the acknowledgement of receipt of appraisal, finding resolved. - Due Diligence Vendor-02/10/2026<br>| XXXX |  |  | LA | Primary Residence | Purchase | NA | 7282981 | N/A | N/A |
| 605 | XXXX | XXXX |  |  | Closed | 2026-01-19 10:57 | 2026-02-11 17:24 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOR received, finding resolved. - Due Diligence Vendor-02/11/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Please see attached verification on VOR/VOM - Buyer-02/11/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent (VOR) for primary address is missing - Due Diligence Vendor-01/19/2026 |  | Resolved-VOR received, finding resolved. - Due Diligence Vendor-02/11/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-02/11/2026<br>| XXXX |  |  | OK | Investment | Purchase | NA | 7166482 | N/A | N/A |
| 607 | XXXX | XXXX |  |  | Closed | 2026-02-19 03:54 | 2026-03-03 16:22 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Missing | Resolved-Fully Executed Note provided, Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Copy of the Note - Buyer-02/27/2026 <br>Open-The Note is Missing - Due Diligence Vendor-02/19/2026 |  | Resolved-Fully Executed Note provided, Finding resolved. - Due Diligence Vendor-03/03/2026 <br>Resolved-The Note is Present - Due Diligence Vendor-03/03/2026<br>| XXXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7691695 | N/A | N/A |
| 607 | XXXX | XXXX |  |  | Closed | 2026-02-23 11:57 | 2026-02-23 11:57 | Waived | 2 - Non-Material | Credit | Income/Employment | Income/Employment General | Waived-Exception Requested: 38 NSF in a 12 month period<br> UW comments: SLE approved subject to 35% DTI, 65% LTV, 707 FICO, $300k reserves - Due Diligence Vendor-02/23/2026 |  | Waived-Exception Requested: 38 NSF in a 12 month period<br> UW comments: SLE approved subject to 35% DTI, 65% LTV, 707 FICO, $300k reserves - Due Diligence Vendor-02/23/2026<br>|  |  | Low DTI 15% vs 50%<br> 0x30x36<br> No derog<br> 16 years self employed<br> 707 fico vs 640 | TX | Primary Residence | Refinance | Cash Out - Other | 7759530 | Originator Pre-Close | Yes |
| 608 | XXXX | XXXX |  |  | Closed | 2026-02-16 09:17 | 2026-02-19 13:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose Affidavit received, finding resolved. - Due Diligence Vendor-02/19/2026 <br> Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Business Purpose Affidavit<br> - Buyer-02/18/2026 <br> Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-02/16/2026 |  | Resolved-Business Purpose Affidavit received, finding resolved. - Due Diligence Vendor-02/19/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-02/19/2026<br>| XXXX |  |  | FL | Investment | Purchase | NA | 7632219 | N/A | N/A |
| 611 | XXXX | XXXX |  |  | Closed | 2026-01-23 07:04 | 2026-02-02 20:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Questionnaire rcv'd. Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Condo questionnaire attached. - Buyer-01/29/2026 <br> Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply.<br> - Due Diligence Vendor-01/23/2026 |  | Resolved-Questionnaire rcv'd. Resolved. - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | NY | Primary Residence | Purchase | NA | 7265548 | N/A | N/A |
| 614 | XXXX | XXXX |  |  | Closed | 2026-01-21 09:11 | 2026-02-02 18:46 | Resolved | 1 - Information | Compliance | Mavent | HighCost: APR/FEES | Resolved-Discount bona fide. Resolved. - Due Diligence Vendor-02/03/2026 <br> Resolved- - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. loe - Buyer-01/29/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open-The loan fees ($10,026.05) exceed the (FED2014) (Note Amount >=$26,968.00) fee limit, which is 5% of the Total Loan Amount ($XXXX), the difference is ($133.16). (12 CFR 1026.32). . - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 |  | Resolved-Discount bona fide. Resolved. - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7204125 | N/A | N/A |
| 614 | XXXX | XXXX |  |  | Closed | 2026-01-21 09:11 | 2026-02-02 18:45 | Resolved | 1 - Information | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Discount bona fide. Resolved. - Due Diligence Vendor-02/03/2026 <br> Resolved- - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. loe - Investor-01/29/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) . - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 |  | Resolved-Discount bona fide. Resolved. - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7204124 | N/A | N/A |
| 614 | XXXX | XXXX |  |  | Closed | 2026-01-21 09:11 | 2026-02-02 18:45 | Resolved | 1 - Information | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Discount bona fide. Resolved. - Due Diligence Vendor-02/03/2026 <br> Resolved- - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. loe - Seller-01/29/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open-You submitted a late fee amount of ($70.79) and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. loe - Seller-01/29/2026<br>| Resolved-Discount bona fide. Resolved. - Due Diligence Vendor-02/03/2026<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7204123 | N/A | N/A |
| 616 | XXXX | XXXX |  |  | Closed | 2026-01-05 12:51 | 2026-03-05 09:19 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received revised Settlement Statement reflecting a disbursement date of XX/XX/XXXX along with a Loss Experience Letter. Hazard insurance effective date is prior to the disbursement date, finding resolved. - Due Diligence Vendor-03/05/2026 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. signed final SS - Investor-03/02/2026 <br> Counter-A settlement statement has been provided reflecting a disbursement date of XX/XX/XXXX however is not executed by the title company, please provide. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Final settlement statement shows this loan disbursed on XX/XX/XXXX and the no loss letter shows effected on XX/XX/XXXX - Investor-02/23/2026 <br> Counter-Final CD in file signed XX/XX/XXXX has Disbursement Date of XX/XX/XXXX. Insurance Effective Date is XX/XX/XXXX. Finding Remains. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Per the no loss letter the policy term dates are from 12/13/25-12/13/26 please re-review the letter as that loan disbursed on XX/XX/XXXX. - Seller-02/17/2026 <br> Counter-The effective date on the no loss letter is dated after the disbursement date of the transaction. Please provide no loss letter with updated effective date. Finding remains - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please re-review the no loss letter was provided due to no coverage for the HOI prior to disbursement. - Investor-02/12/2026 <br> Counter-Lender provided a loss experience letter reflecting no claims which is not sufficient. Please provide a copy of the hazard insurance policy with an effective date that matches the disbursement date. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. no loss letter - Investor-02/04/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-01/05/2026 | Ready for Review-Per the no loss letter the policy term dates are from 12/13/25-12/13/26 please re-review the letter as that loan disbursed on XX/XX/XXXX - Seller-02/17/2026 | Resolved-Received revised Settlement Statement reflecting a disbursement date of XX/XX/XXXX along with a Loss Experience Letter. Hazard insurance effective date is prior to the disbursement date, finding resolved. - Due Diligence Vendor-03/05/2026 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/05/2026 | XXXX |  |  | PA | Investment | Purchase | NA | 6918923 | N/A | N/A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 13 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 79.37 | 79.36 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 13 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 79.37 | 79.36 | Audit Value of Subject Lien / Qualifying Value |
| 22 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 63.5 | 63.49 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 22 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 63.5 | 63.49 | Audit Value of Subject Lien / Qualifying Value |
| 26 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 33 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Detached | PUD | Updated as per Appraisal and other documents |
| 50 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 65.5 | 65.49 | Rounding |
| 50 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 65.5 | 65.49 | Rounding |
| 55 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Sales price updated as per Contract of Sale final |
| 70 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 48.56 | 48.55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 70 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 48.56 | 48.55 | Audit Value of Subject Lien / Qualifying Value |
| 88 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 89.95 | 89.94 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 88 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 89.95 | 89.94 | Audit Value of Subject Lien / Qualifying Value |
| 118 | XXXX |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 1 | Audit Value Pulled From Note / PPP Addendum. |
| 239 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal. |
| 239 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from Note. |
| 242 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 242 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 244 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 246 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 249 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 54.58 | 59.13 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 249 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 54.58 | 59.13 | Audit Value of Subject Lien / Qualifying Value |
| 250 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 251 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 256 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 260 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 261 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 262 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 266 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 50.73 | 50.74 | Rounding |
| 266 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 50.73 | 50.74 | Audit Value of Subject Lien / Qualifying Value |
| 266 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 267 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 268 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 78.11 | 80.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 268 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 78.11 | 80.00 | Audit Value of Subject Lien / Qualifying Value |
| 272 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 274 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from Note |
| 276 | XXXX |  |  | XXXX | Prepayment Penalty Total Term | notePage | 36 | 12 | Audit Value Pulled From Note / PPP Addendum. |
| 278 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 284 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 286 | XXXX |  |  | XXXX | CLTV | propertyValuationPage | 88.8 | 90.00 | Loan amount+ used 2nd mortgage amount/purchase value or appraisal value which ever is lower \*100 |
| 289 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal |
| 291 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value pulled from Note. |
| 294 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from Note. |
| 295 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 297 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per Appraisal 1025 unit is 3. |
| 298 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 302 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 302 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 306 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 307 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 308 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Audit value pulled from appraisal report |
| 308 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 310 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 313 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 313 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 314 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 314 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 319 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from Appraisal. |
| 319 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from Note. |
| 320 | XXXX |  |  | XXXX | Qualifying LTV | propertyValuationPage | 38.11 | 39.20 | Audit Value of Subject Lien / Qualifying Value. |
| 320 | XXXX |  |  | XXXX | Qualifying CLTV | propertyValuationPage | 38.11 | 39.20 | Audit Value of 1st + 2nd lien HELOC / Qualifying Value |
| 324 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 326 | XXXX |  |  | XXXX | CLTV | propertyValuationPage | 66.66 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 328 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 328 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 330 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal |
| 330 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note |
| 334 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 351 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 351 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 353 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note |
| 360 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 360 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 362 | XXXX |  |  | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | Audit Value Verified on Purchase Contract / Final CD. |
| 366 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 368 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 373 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 374 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 382 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 385 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 385 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 387 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 388 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Condominium | Condominium High Rise | Audit value pulled from appraisal report |
| 389 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 391 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 393 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 394 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 397 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 399 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit value pulled from 1025 Appraisal document. |
| 399 | XXXX |  |  | XXXX | Prepayment Penalty Total Term | notePage | 12 | 36 | Audit Value Pulled From Note. |
| 399 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 400 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 401 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 404 | XXXX |  |  | XXXX | Prepayment Penalty Type | notePage | Hard | 1 | Audit Value Pulled From Note. |
| 409 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 410 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 420 | XXXX |  |  | XXXX | CLTV | propertyValuationPage | 73.21 | 0.75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 421 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 422 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 424 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 430 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 434 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 434 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 438 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Updated as per the appraisal Report |
| 443 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 444 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 445 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 446 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 449 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 449 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 458 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from Note |
| 461 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 462 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 472 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| 474 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 478 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 480 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per Appraisal property is 2-4 Units. |
| 491 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 492 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 512 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 515 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal.  |
| 524 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 527 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 533 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 534 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 544 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 547 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note |
| 548 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 549 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 560 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 560 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 564 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 565 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 568 | XXXX |  |  | XXXX | CLTV | propertyValuationPage | 70 | 0.70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 570 | XXXX |  |  | XXXX | Prepayment Penalty Total Term | notePage | 36 | 12 | Audit Value PPP reflected in months; tape value reflects the same in years. |
| 570 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 571 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 572 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 572 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 574 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 575 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 580 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 590 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 593 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 596 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| 597 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 606 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 607 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 612 | XXXX |  |  | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| 616 | XXXX |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |

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## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 1 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.532 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19402.3 | N/A | Employed |  | No |  | No |  |
| 4 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.772 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36814.74 | N/A | Employed | Not Employed | No | No | No |  |
| 5 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 6 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.608 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8710.78 | N/A | Employed | Employed | No | No | No |  |
| 7 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 668364.5 | N/A | Employed | Not Employed | No | No | No |  |
| 9 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 235718.32 | N/A | Employed |  | No |  | No |  |
| 11 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 69282.64 | N/A | Employed |  | No |  | Yes | N/A |
| 13 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.065 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6159.78 | N/A | Employed | Employed | No | No | No |  |
| 15 | XXXX |  |  | XX/XX/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 | No | Yes | Present |
| 16 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 98043.28 | N/A | Employed |  | No |  | Yes | Present |
| 18 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.991 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7178.14 | N/A | Employed |  | No |  | No |  |
| 19 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 20 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 21 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 22 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.99 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9958.57 | N/A | Employed | Not Employed | No | No | No |  |
| 23 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25833.73 | N/A | Employed | Not Employed | No | No | No |  |
| 25 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 26 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 27 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.143 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80797.19 | N/A | Employed |  | No |  | No |  |
| 28 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 29 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 135678.31 | N/A | Employed |  | No |  | No |  |
| 30 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 67704.63 | N/A | Employed |  | No |  | Yes | Present |
| 31 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19433.03 | N/A | Employed |  | No |  | No |  |
| 32 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 60906.32 | N/A | Employed |  | No |  | Yes | Present |
| 33 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.287 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| 34 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.367 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24983.05 | N/A | Employed |  | No |  | No |  |
| 37 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6644.74 | N/A | Employed |  | No |  | Yes | Present |
| 38 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 40 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18549.88 | N/A | Employed |  | No |  | No |  |
| 42 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.54 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11991.98 | N/A | Employed |  | No |  | No |  |
| 43 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 44 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 36170.89 | N/A | Employed | Not Employed | No | No | Yes | N/A |
| 47 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.495 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 105408.14 | N/A | Employed |  | No |  | No |  |
| 48 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 50 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.132 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21834.94 | N/A | Employed |  | No |  | No |  |
| 51 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 52 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.35 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Retired | Retired | No | No | No |  |
| 53 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 54 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11232.88 | N/A | Retired | Employed | No | No | Yes | N/A |
| 55 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.246 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Retired | Retired | No | No | No |  |
| 56 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.894 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41073.67 | N/A | Employed |  | No |  | No |  |
| 57 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19108.16 | N/A | Employed | Employed | No | No | No |  |
| 58 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2910.13 | N/A | Retired |  | No |  | No |  |
| 59 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 60 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 61 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Not Employed | Not Employed | No | No | No |  |
| 62 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 65 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8056.31 | N/A | Employed | Not Employed | No | No | No |  |
| 66 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4535.88 | N/A | Employed |  | No |  | No |  |
| 68 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 69 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5768.75 | N/A | Employed | Employed | No | No | No |  |
| 70 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.765 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7563.94 | N/A | Employed |  | No |  | No |  |
| 74 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12380.43 | N/A | Retired | Retired | No | No | Yes | N/A |
| 75 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Not Employed | Not Employed | No | No | No |  |
| 77 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.556 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9062.52 | N/A | Employed |  | No |  | No |  |
| 80 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.258 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13868.91 | N/A | Retired |  | No |  | No |  |
| 81 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.35 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7572.05 | N/A | Not Employed | Retired | No | No | No |  |
| 82 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.0 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10046.51 | N/A | Employed | Employed | No | No | No |  |
| 83 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 84 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.999 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 74408.01 | N/A | Employed |  | No |  | No |  |
| 85 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13984.48 | N/A | Employed | Employed | No | No | No |  |
| 88 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13136.9 | N/A | Employed |  | No |  | No |  |
| 90 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14315.89 | N/A | Employed |  | No |  | Yes | Present |
| 93 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 56752.39 | N/A | Employed |  | No |  | Yes | Present |
| 95 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21526.86 | N/A | Employed |  | No |  | No |  |
| 96 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 97 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13904.6 | N/A | Employed | Employed | No | No | Yes | Present |
| 99 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 102 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 104 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 106 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.223 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53402.98 | N/A | Employed |  | No |  | No |  |
| 108 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.293 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3991.48 | N/A | Employed |  | No |  | No |  |
| 116 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 117 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 118 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 121 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.298 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6676.14 | N/A | Employed |  | No |  | No |  |
| 127 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 2082.26 | N/A | Retired |  | No |  | Yes | N/A |
| 239 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 240 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 241 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 242 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17590.53 | N/A | Employed |  | No |  | No |  |
| 243 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 27117.59 | N/A | Employed | Employed | No | No | Yes | Present |
| 244 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.0 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5068.13 | N/A | Employed |  | No |  | No |  |
| 245 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 246 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 248 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 249 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50669.74 | N/A | Retired | Employed | No | No | No |  |
| 250 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 251 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.344 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10839.98 | N/A | Employed |  | No |  | No |  |
| 252 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.32 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31829.07 | N/A | Employed |  | No |  | No |  |
| 253 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.242 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47929.99 | N/A | Employed | Employed | No | No | No |  |
| 254 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 256 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.837 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 110363.64 | N/A | Employed |  | No |  | No |  |
| 257 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52224.42 | N/A | Employed | Retired | No | No | No |  |
| 259 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.343 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11922.66 | N/A | Employed |  | No |  | No |  |
| 260 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40879.69 | N/A | Employed |  | No |  | Yes | Present |
| 261 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.752 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56758.14 | N/A | Employed |  | No |  | No |  |
| 262 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3444.58 | N/A | Employed |  | No |  | No |  |
| 264 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.407 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10310.43 | N/A | Employed |  | No |  | No |  |
| 265 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.956 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 60763.2 | N/A | Employed | Retired | No | No | No |  |
| 266 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.827 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5381.67 | N/A | Retired | Retired | No | No | No |  |
| 267 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.588 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41070.71 | N/A | Retired | Retired | No | No | No |  |
| 268 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.914 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 165918.64 | N/A | Employed |  | No |  | No |  |
| 271 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 272 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30363.49 | N/A | Employed |  | No |  | No |  |
| 273 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.964 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13231.4 | N/A | Employed |  | No |  | No |  |
| 274 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20229.07 | N/A | Employed |  | No |  | No |  |
| 275 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43692.16 | N/A | Employed |  | No |  | No |  |
| 276 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 277 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.034 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23314.66 | N/A | Employed | Employed | No | No | No |  |
| 278 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 158158.63 | N/A | Employed |  | No |  | No |  |
| 280 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 28023.07 | N/A | Employed |  | No |  | Yes | Present |
| 283 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 284 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 286 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4767.55 | N/A | Retired | Employed | No | No | No |  |
| 287 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.454 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18946.56 | N/A | Employed |  | No |  | No |  |
| 289 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8308.18 | N/A | Employed |  | No |  | No |  |
| 291 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8866.61 | N/A | Employed |  | No |  | Yes | Present |
| 292 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.591 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13869.63 | N/A | Employed | Employed | No | No | No |  |
| 294 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 155247.15 | N/A | Employed |  | No |  | No |  |
| 295 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.543 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8287.08 | N/A | Employed |  | No |  | No |  |
| 296 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28235.72 | N/A | Employed |  | No |  | No |  |
| 297 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 112810.6 | N/A | Employed |  | No |  | Yes | N/A |
| 298 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.228 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85162.42 | N/A | Employed | Not Employed | No | No | No |  |
| 300 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.008 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12958.32 | N/A | Employed |  | No |  | No |  |
| 302 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.757 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 42949.45 | N/A | Employed |  | No |  | No |  |
| 306 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.517 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38434.64 | N/A | Employed | Retired | No | No | No |  |
| 307 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 308 | XXXX |  |  | XX/XX/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 |
| 309 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 310 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.448 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18331.91 | N/A | Employed |  | No |  | No |  |
| 311 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.605 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 71259.47 | N/A | Employed |  | No |  | No |  |
| 312 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12864.25 | N/A | Employed |  | No |  | No |  |
| 313 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 314 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 318 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 319 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 320 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.341 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 521088.54 | N/A | Employed | Not Employed | No | No | No |  |
| 321 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.616 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3254.75 | N/A | Not Employed |  | No |  | No |  |
| 323 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3821.98 | N/A | Employed |  | No |  | No |  |
| 324 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.577 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12839.7 | N/A | Retired | Retired | No | No | No |  |
| 325 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 326 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4294.87 | N/A | Employed |  | No |  | No |  |
| 327 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.245 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4845.71 | N/A | Employed | Employed | No | No | No |  |
| 328 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12563.94 | N/A | Employed |  | No |  | Yes | Present |
| 329 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 330 | XXXX |  |  | XX/XX/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 |
| 331 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.104 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 77338.47 | N/A | Employed | Employed | No | No | No |  |
| 332 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.572 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 53306.45 | N/A | Employed |  | No |  | No |  |
| 333 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 334 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13060.37 | N/A | Employed |  | No |  | No |  |
| 336 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9751 | N/A | Employed |  | No |  | No |  |
| 338 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24097 | N/A | Employed |  | No |  | No |  |
| 339 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2671.93 | N/A | Employed |  | No |  | No |  |
| 340 | XXXX |  |  | XX/XX/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 | No | Yes | Present |
| 341 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19160.21 | N/A | Employed |  | No |  | Yes | Present |
| 346 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 347 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.682 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56895.14 | N/A | Employed |  | No |  | No |  |
| 348 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8139.48 | N/A | Employed |  | No |  | Yes | N/A |
| 349 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.399 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5267.27 | N/A | Employed |  | No |  | No |  |
| 350 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.518 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21698.18 | N/A | Employed |  | No |  | No |  |
| 351 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.254 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10570.82 | N/A | Employed |  | No |  | No |  |
| 352 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 811632.26 | N/A | Employed |  | No |  | No |  |
| 353 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.865 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18243.73 | N/A | Employed |  | No |  | No |  |
| 354 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3222.72 | N/A | Employed | Employed | No | No | No |  |
| 355 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40025.11 | N/A | Employed |  | No |  | No |  |
| 357 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.626 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9127.8 | N/A | Employed |  | No |  | No |  |
| 358 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.78 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6098.99 | N/A | Employed |  | No |  | No |  |
| 359 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.02 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8628.76 | N/A | Employed |  | No |  | No |  |
| 360 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 361 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.87 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21753.96 | N/A | Retired |  | No |  | No |  |
| 362 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.075 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10449.29 | N/A | Employed |  | No |  | No |  |
| 363 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 365 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6259.63 | N/A | Employed |  | No |  | No |  |
| 366 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.998 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6373.52 | N/A | Employed | Employed | No | No | No |  |
| 367 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52435.88 | N/A | Employed |  | No |  | No |  |
| 368 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 370 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 40444.93 | N/A | Employed | Employed | No | No | Yes | Present |
| 373 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.583 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4437.42 | N/A | Employed |  | No |  | No |  |
| 374 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.987 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7920.94 | N/A | Employed |  | No |  | No |  |
| 375 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.987 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6175.18 | N/A | Employed |  | No |  | No |  |
| 380 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 26764.58 | N/A | Employed |  | No |  | Yes | Present |
| 381 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 382 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 6.615 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2597.97 | N/A | Retired |  | No |  | No |  |
| 383 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.241 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3634.99 | N/A | Employed |  | No |  | No |  |
| 384 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 385 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 386 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Not Employed |  | No |  | No |  |
| 387 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.939 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2110.74 | N/A | Employed | Employed | No | No | No |  |
| 388 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.295 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3240.6 | N/A | Retired |  | No |  | No |  |
| 389 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 391 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 35983.54 | N/A | Employed |  | No |  | Yes | Present |
| 393 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16529.06 | N/A | Employed | Employed | No | No | No |  |
| 394 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 395 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.459 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15959.55 | N/A | Employed |  | No |  | No |  |
| 396 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10373.83 | N/A | Employed |  | No |  | No |  |
| 397 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9714.76 | N/A | Employed |  | No |  | No |  |
| 399 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 400 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8357.19 | N/A | Employed |  | No |  | No |  |
| 401 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.239 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3671.19 | N/A | Employed |  | No |  | No |  |
| 403 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 404 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 406 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.822 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31515.6 | N/A | Employed | Employed | No | No | No |  |
| 409 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 410 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 7430.62 | N/A | Employed |  | No |  | Yes | Present |
| 411 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.183 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17909.88 | N/A | Employed | Employed | No | No | No |  |
| 413 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.126 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 258430.32 | N/A | Employed | Not Employed | No | No | No |  |
| 415 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.513 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22151.96 | N/A | Employed |  | No |  | No |  |
| 416 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.429 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16469.08 | N/A | Employed |  | No |  | No |  |
| 417 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.474 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3211.71 | N/A | Employed | Not Employed | No | No | No |  |
| 419 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18986.54 | N/A | Employed |  | No |  | No |  |
| 420 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 659663.44 | N/A | Employed | Employed | No | No | Yes | Present |
| 421 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.738 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4871.53 | N/A | Employed |  | No |  | No |  |
| 422 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 424 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.446 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4864.42 | N/A | Employed |  | No |  | No |  |
| 425 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12284 | N/A | Employed |  | No |  | Yes | N/A |
| 427 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.376 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3954.66 | N/A | Employed |  | No |  | No |  |
| 430 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2845.83 | N/A | Retired |  | No |  | No |  |
| 431 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 432 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.284 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 160126.37 | N/A | Employed |  | No |  | No |  |
| 433 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.595 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8682.86 | N/A | Employed |  | No |  | No |  |
| 434 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 435 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.282 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4134 | N/A | Retired | Employed | No | No | No |  |
| 436 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.697 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48905.6 | N/A | Employed |  | No |  | No |  |
| 437 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.885 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4678.16 | N/A | Employed |  | No |  | No |  |
| 438 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20076.96 | N/A | Employed |  | No |  | Yes | Present |
| 439 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 440 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.037 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41629.94 | N/A | Employed |  | No |  | No |  |
| 441 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19090.33 | N/A | Employed | Employed | No | No | No |  |
| 442 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 443 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17193.46 | N/A | Employed |  | No |  | Yes | Present |
| 444 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 445 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15430.03 | N/A | Employed |  | No |  | Yes | Present |
| 446 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.917 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55144.84 | N/A | Employed |  | No |  | No |  |
| 447 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4410.01 | N/A | Employed |  | No |  | Yes | Present |
| 449 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 450 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9395.1 | N/A | Employed |  | No |  | No |  |
| 451 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11297.78 | N/A | Employed |  | No |  | No |  |
| 452 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 453 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 455 | XXXX |  |  | XX/XX/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 |
| 456 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.43 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7509.22 | N/A | Employed |  | No |  | No |  |
| 457 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.201 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15105.88 | N/A | Employed |  | No |  | No |  |
| 458 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.447 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19136.34 | N/A | Employed |  | No |  | No |  |
| 459 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 461 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 462 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3078.99 | N/A | Employed |  | No |  | No |  |
| 464 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.818 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13920.41 | N/A | Retired | Retired | No | No | No |  |
| 465 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.161 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3922.75 | N/A | Employed | Employed | No | No | No |  |
| 468 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16499.07 | N/A | Employed |  | No |  | No |  |
| 469 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.724 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 180851.34 | N/A | Retired | Employed | No | No | No |  |
| 471 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 87593.75 | N/A | Employed |  | No |  | Yes | Present |
| 472 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 473 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.604 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 229123.73 | N/A | Not Employed | Not Employed | No | No | No |  |
| 474 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 475 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4252.49 | N/A | Employed | Employed | No | No | No |  |
| 478 | XXXX |  |  | XX/XX/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 |
| 480 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.046 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29251.31 | N/A | Employed | Employed | No | No | No |  |
| 481 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 135568.71 | N/A | Employed |  | No |  | No |  |
| 482 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.12 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3904.34 | N/A | Employed |  | No |  | No |  |
| 484 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 487 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80982.72 | N/A | Employed |  | No |  | No |  |
| 488 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.296 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20604.47 | N/A | Employed |  | No |  | No |  |
| 491 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 492 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.502 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18394.2 | N/A | Employed |  | No |  | No |  |
| 493 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.509 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55341.91 | N/A | Employed |  | No |  | No |  |
| 495 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 498 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.088 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33768.03 | N/A | Employed | Employed | No | No | No |  |
| 499 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37584.98 | N/A | Employed |  | No |  | No |  |
| 500 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 54923.53 | N/A | Employed |  | No |  | No |  |
| 501 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.601 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52968.78 | N/A | Employed |  | No |  | No |  |
| 502 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23461.17 | N/A | Employed | Retired | No | No | Yes | Present |
| 503 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 506 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8710.21 | N/A | Employed |  | No |  | No |  |
| 508 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | Yes | No | No | No | No | Not Tested | 0 | 7.678 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39501.13 | N/A | Employed | Employed | No | No | No |  |
| 509 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 511 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.857 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23085.49 | N/A | Employed |  | No |  | No |  |
| 512 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 514 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.729 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19924.27 | N/A | Employed |  | No |  | No |  |
| 515 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 516 | XXXX |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.526 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17693.58 | N/A | Employed |  | No |  | No |  |
| 519 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 520 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 521 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.285 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32258.19 | N/A | Employed |  | No |  | No |  |
| 522 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5705.52 | N/A | Employed |  | No |  | No |  |
| 524 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4759.86 | N/A | Employed | Employed | No | No | No |  |
| 525 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 526 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.375 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14217.91 | N/A | Employed | Not Employed | No | No | No |  |
| 527 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 528 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.812 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 85836.94 | N/A | Employed | Employed | No | No | No |  |
| 530 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 533 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8342.63 | N/A | Employed |  | No | No | No |  |
| 534 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14117.24 | N/A | Retired | Retired | No | No | No |  |
| 536 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.595 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22873.35 | N/A | Employed |  | No |  | No |  |
| 538 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5444.1 | N/A | Retired | Employed | No | No | No |  |
| 540 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.993 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11916.17 | N/A | Employed |  | No |  | No |  |
| 541 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27207.83 | N/A | Employed |  | No |  | No |  |
| 542 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 660191.98 | N/A | Employed | Employed | No | No | Yes | Present |
| 543 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 544 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15839.06 | N/A | Employed |  | No |  | Yes | Present |
| 545 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 546 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.821 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Retired |  | No | No | No |  |
| 547 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.606 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11527.75 | N/A | Employed |  | No |  | No |  |
| 548 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 549 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.411 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17592.56 | N/A | Retired |  | No |  | No |  |
| 550 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 59234.59 | N/A | Employed |  | No |  | Yes | Present |
| 551 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 552 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.841 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26291.2 | N/A | Employed | Employed | No | No | No |  |
| 554 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 29574.7 | N/A | Employed |  | No |  | Yes | Present |
| 555 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 179460.31 | N/A | Employed |  | No |  | No |  |
| 556 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30959.58 | N/A | Employed | Retired | No | No | Yes | Present |
| 558 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.579 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3157.64 | N/A | Employed |  | No |  | No |  |
| 559 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.238 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2636.09 | N/A | Employed |  | No |  | No |  |
| 560 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.804 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11738.58 | N/A | Employed | Employed | No | No | No |  |
| 561 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.446 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29930.8 | N/A | Employed | Not Employed | No | No | No |  |
| 562 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12037.6 | N/A | Employed |  | No |  | Yes | Present |
| 563 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 930931.82 | N/A | Employed |  | No |  | No |  |
| 564 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 565 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27816.94 | N/A | Employed | Retired | No | No | No |  |
| 567 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.821 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 215545.84 | N/A | Employed | Employed | No | No | No |  |
| 568 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 569 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.563 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 206403.88 | N/A | Employed |  | No |  | No |  |
| 570 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 571 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 572 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | Not Tested | No | No | Yes | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13066.82 | N/A | Employed |  | No |  | Yes | Present |
| 573 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 574 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.632 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 128970.59 | N/A | Employed |  | No |  | No |  |
| 575 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | No | Not Tested | No | No | No | No | No | No | No | Not Tested | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18067.54 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 577 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 580 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.377 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4128.35 | N/A | Employed |  | No |  | No |  |
| 585 | XXXX |  |  | XX/XX/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 |
| 586 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.444 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26357.05 | N/A | Employed |  | No |  | No |  |
| 587 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.93 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34310.81 | N/A | Employed | Employed | No | No | No |  |
| 588 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28540.47 | N/A | Employed |  | No |  | No |  |
| 590 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 592 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.463 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11461.39 | N/A | Employed |  | No |  | No |  |
| 593 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.728 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 152358.17 | N/A | Employed | Retired | No | No | No |  |
| 594 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8889.8 | N/A | Employed |  | No |  | No |  |
| 595 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 596 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 597 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38370.32 | N/A | Employed |  | No |  | No |  |
| 600 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7596.69 | N/A | Employed | Not Employed | No | No | No |  |
| 602 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 604 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 8.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3015.93 | N/A | Employed |  | No |  | No |  |
| 605 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 606 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.032 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4779.03 | N/A | Retired |  | No |  | No |  |
| 607 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.117 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38096.24 | N/A | Employed | Employed | No | No | No |  |
| 608 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 611 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.863 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7256.26 | N/A | Employed |  | No |  | No |  |
| 612 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 6.377 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19562.82 | N/A | Employed | Not Employed | No | No | No |  |
| 614 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.738 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3367.19 | N/A | Employed |  | No |  | No |  |
| 616 | XXXX |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 619 | XXXX |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 7.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4990.62 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-3_002.jpg)

![](ex99-3_001.jpg)

**April 03, 2026<br> Due Diligence Narrative Report**

![](ex99-3_002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *7* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

 ****

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 1 April 03, 2026

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-3_003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![](ex99-3_003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of NewRez LLC, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 18 residential loans. Rithm Capital Corp. subsequently selected these loans for the NRMLT 2026-NQM5 transaction.

The loans referenced in this narrative report were reviewed on a flow loan basis from December 2025 to March 2026. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;4 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;Correspondent Flow with delegated underwriting | &nbsp;&nbsp;14 | &nbsp;&nbsp;77.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**100.00%** |

---

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 2 April 03, 2026

![](ex99-3_002.jpg)

**Clayton's Third Party Review ("TPR") Scope of Work**

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp; Review scope | &nbsp;&nbsp; # of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;18 |

---

Loan Grading

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

Clayton's loan grading complied with rating agency grading definitions published by Moody's, Standard and Poor's, Fitch, Morningstar, Kroll and DBRS.

![](ex99-3_004.jpg)

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 3 April 03, 2026

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TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in the loan documentation provided to Clayton.

Credit Review

Clayton's Credit scope of review conducted on 18 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared the loan documentation found in the loan file to the origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the stated seller origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine that funds to close and reserves were within origination
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within origination guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Evaluated for evidence of borrower's willingness and ability to repay the obligation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined income, employment, assets, and occupancy status for reasonability;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed the occupancy, VOE and self/employed business documents within the loan file, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Listed the property type as Coop, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Reviewed for condo warranty documentation, as applicable;

Property Valuation Review

Clayton's Property Valuation scope of review conducted included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (18 loans)

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

- For more detail on the original appraisal review, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (18 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Loans were held to a -10% tolerance utilizing the following waterfall;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Desk Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 1004 / 1025 / 1073

For further detail please refer to the NRMLT 2026-NQM5 Valuations Summary Report

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 4 April 03, 2026

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Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on 15 loans on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for state-specific consumer protection laws including late charge and prepayment penalty provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Truth-in-lending/regulation Z (TILA) testing included the following:

- Notice of Right to Cancel (Right of Rescission) adherence if applicable;

- TIL Disclosure Timing (3/7/3) and disclosure content;

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

- Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

- Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

- Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than 'Covered
Loans' and loans with an Application Date prior to 10/3/2015:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFIG's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 5 April 03, 2026

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Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Rithm Capital Corp.

<u>Compliance Review (Business Purpose, Non-Owner Occupied)</u> 

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Cook County High Cost Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property. While the state of Illinois has similar language, Clayton's audit law firm determined that only principal residences should be tested for IL high cost.

Anti-predatory lending laws

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Lender and Broker Act after 6/1/2008

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sufficiency of coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow of insurance payments

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 6 April 03, 2026

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Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 18 reviewed loans, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from seller/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan reviewer collects validated loan data in eCLAS;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies found during comparison are stored;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each discrepancy is reported in a Loan Level Tape Compare Upload.

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**data Compare Results**

Clayton provided Rithm Capital Corp. with a copy of the Loan Level Tape Compare Upload which showed the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 18 loans reviewed.

---

| | | |
|:---|:---|:---|
| **Field Name** | **# of Loans** | **% Accuracy** |
| &nbsp;&nbsp;Borrower 1 Last Name | 1 | 94.44% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 2 | 88.89% |
| &nbsp;&nbsp;Original Term | 2 | 88.89% |
| &nbsp;&nbsp;Product Type | 1 | 94.44% |
| &nbsp;&nbsp;Property Type | 2 | 88.89% |

---

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 7 April 03, 2026

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**Clayton Due Diligence Results**

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

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 8 |  | 6 | 3 | **17** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **8** | **0** | **7** | **3** | **18** |

---

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.

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 9 |  | 7 | 2 | **18** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **9** | **0** | **7** | **2** | **18** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 15 |  |  | 3 | **18** |
| **Final** | **B** |  |  |  |  | **0** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **15** | **0** | **0** | **3** | **18** |

---

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 8 April 03, 2026

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 12 | 1 | 1 |  | **14** |
| **Final** | **B** |  |  | 1 |  | **1** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **12** | **1** | **2** | **0** | **15** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (3 loans in pool)

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Non ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuation Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Loan Level Tape Compare

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. 15E Form

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 9 April 03, 2026

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**Appendix A: Credit Review Scope**

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction eligibility, including:

Maximum loan amount

- Loan purpose

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included
required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

- Initial loan application was in the loan file and was signed by all borrowers

- Final loan application was in the loan file and was complete

- Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents, including:

- Income documentation

- Verbal and/or written verifications of employments (VVOE, VOE)

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

- Required income documentation for all borrowers was present and within required time period

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared IRS tax transcripts to income documentation and noted any inconsistencies

- Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 10 April 03, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

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

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold estate

- Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

- Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower's assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 11 April 03, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage
or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified copy"
by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan
file to identify and address any potential misrepresentations including:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

E. Performed a DSCR review following the origination guidelines to arrive at a monthly property expense. This number is used as the denominator
to the monthly lease or estimated lease income. Clayton reviewed the applicable documentation and data to arrive at this ratio, including:

&nbsp;&nbsp;&nbsp;&nbsp;o Principal and interest payment

&nbsp;&nbsp;&nbsp;&nbsp;o Property taxes

&nbsp;&nbsp;&nbsp;&nbsp;o Insurance

&nbsp;&nbsp;&nbsp;&nbsp;o HOA payments

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 12 April 03, 2026

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**Appendix B: Origination Appraisal Assessment**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

- Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and
USPAP based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

- Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser's certification is present and executed within the original appraisal.

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C. Reviewed and graded the appraisal valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following
key points in making determination:

- Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was "highest and best use"

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met
the client supplied eligibility requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

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F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed
valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the
underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee
tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop
for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure
Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of
the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application,
7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on
or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the
loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

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**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 19 April 03, 2026

![](ex99-3_002.jpg)

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** | &nbsp;&nbsp;**Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 20 April 03, 2026

![](ex99-3_002.jpg)

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC

NRMLT 2026-NQM5 Due Diligence Narrative Report Page \| 21 April 03, 2026

## Exhibit 99.3

**Exhibit 99.3 Schedule 1**

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *18* | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |
| *Loans In Report:* |  | **Origination Values** | **Automated Valuation Model** | **Desk Review** | **Second Desk Review** | **Field Review** | **Second Field Review** | **1004 SFR** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **Other** | **AUS Information** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Value** | **Variance Amount** | **Variance (%)** | **AVM FSD** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** | **Full Diligence ID** |
| 79 | xxx | xxx | $xxx | $xxx | $xxx | 11/xx/2025 | $xxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 12/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 92 | xxx | xxx | $xxx | $xxx | $xxx | 11/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 1/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 98 | xxx | xxx | $xxx | $xxx | $xxx | 11/xx/2025 | $xxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 11/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 103 | xxx | xxx | $xxx | $xxx | $xxx | 12/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 1/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 109 | xxx | xxx | $xxx | $xxx | $xxx | 12/xx/2025 | $xxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 12/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 112 | xxx | xxx | $xxx | $xxx | $xxx | 12/xx/2025 | $xxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 2/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 120 | xxx | xxx | $xxx | $xxx | $xxx | 11/xx/2025 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 12/xx/2025 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 128 | xxx | xxx | $xxx | $xxx | $xxx | 01/xx/2026 | $xxx | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 1/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 129 | xxx | xxx | $xxx | $xxx | $xxx | 01/xx/2026 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | 1/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 130 | xxx | xxx | $xxx | $xxx | $xxx | 01/xx/2026 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 1/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 131 | xxx | xxx | $xxx | $xxx | $xxx | 01/xx/2026 | $xxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 2/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 135 | xxx | xxx | $xxx | $xxx | $xxx | 01/xx/2026 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 1/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 136 | xxx | xxx | $xxx | $xxx | $xxx | 02/xx/2026 | $xxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 2/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 139 | xxx | xxx | $xxx | $xxx | $xxx | 01/xx/2026 | $xxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 2/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 140 | xxx | xxx | $xxx | $xxx | $xxx | 01/xx/2026 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 3/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 143 | xxx | xxx | $xxx | $xxx | $xxx | 01/xx/2026 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 1/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 144 | xxx | xxx | $xxx | $xxx | $xxx | 01/xx/2026 | $xxx | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 2/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |
| 145 | xxx | xxx | $xxx | $xxx | $xxx | 02/xx/2026 | $xxx | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | 2/xx/2026 | $xxx | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) | xxx |

---

*The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com*

## Exhibit 99.3

**Exhibit 99.3 Schedule 2**

**ATR QM Upload**

<br> *Loans in Report:* *18*

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 |
| Marketing ID | **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **BK Chapter** | **BK Filing Date** | **Months Since Filing Date** | **BK Discharge Date** | **Months Since Discharge Date** | **Ever in F/C?** | **F/C Last Proceeding Date** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Full Diligence ID** |
| 79 | xxx | xxx | xxx | xxx | VA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 11/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.0164 | Yes | No | 3.72 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.14 | 0 | 41.14 | 41.14 | 41.14 | (No Data) | (No Data) | (No Data) | 13867.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (xxx, xxx etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 92 | xxx | xxx | xxx | xxx | MO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 10/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 8.5698 | No | No | 2.078 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3192.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.1920 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 98 | xxx | xxx | xxx | xxx | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 11/xx/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3030 | Yes | Yes | 1.164 | 3.222 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.2 | 38.12 | 42.2 | 38.12 | 38.12 | 38.12 | No | No | (No Data) | 36438.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 103 | xxx | xxx | xxx | xxx | TX | QM: Rebuttable Presumption (APOR) | Yes | Present | QM: Rebuttable Presumption (APOR) | 12/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.4530 | Yes | Yes | 2.241 | 2.241 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.74 | 41.36 | 41.74 | 41.36 | 41.36 | 41.36 | No | No | (No Data) | 1739.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 109 | xxx | xxx | xxx | xxx | TX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 12/xx/2025 | Permanent Resident Alien | (No Data) | (No Data) | Primary | Site Condo | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 9.0506 | Yes | Yes | 1.385 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.2 | 38.48 | 38.2 | 38.48 | 38.48 | 38.48 | No | No | (No Data) | 8813.52 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) | xxx |
| 112 | xxx | xxx | xxx | xxx | MN | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 12/xx/2025 | U.S. Citizen | (No Data) | (No Data) | Investor | 2 Family | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3886 | No | No | 2.468 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 48.35 | 0 | 48.35 | 48.35 | 48.35 | (No Data) | (No Data) | (No Data) | 3474.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (xxx, xxx etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 120 | xxx | xxx | xxx | xxx | CA | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | 11/xx/2025 | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1394 | No | No | 0.134 | 0.134 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.3 | 48.13 | 48.3 | 48.13 | 48.13 | 48.13 | No | No | (No Data) | 13050.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (xxx, xxx etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 128 | xxx | xxx | xxx | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2026 | U.S. Citizen | (No Data) | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7488 | Yes | No | 2.045 | (No Data) | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 29.27 | 0 | 29.27 | 29.27 | 29.27 | (No Data) | (No Data) | (No Data) | 7224.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 129 | xxx | xxx | xxx | xxx | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 01/xx/2026 | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0087 | Yes | Yes | 0.066 | 0.066 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.08 | 37.46 | 36.08 | 31.11 | 31.11 | 34.03 | No | No | (No Data) | 60141.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 130 | xxx | xxx | xxx | xxx | CA | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | 01/xx/2026 | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | Yes | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0594 | Yes | No | 0.571 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44.08 | 39.52 | 44.08 | 33.93 | 33.93 | 33.93 | No | No | (No Data) | 16640.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 131 | xxx | xxx | xxx | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2026 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5743 | No | No | 0.167 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -45503.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 0.6827 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 135 | xxx | xxx | xxx | xxx | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2026 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5268 | No | No | 2.219 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.01 | 0 | 46.01 | 46.01 | 46.01 | (No Data) | (No Data) | (No Data) | 9155.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | Business Bank Statements - 12 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 136 | xxx | xxx | xxx | xxx | CO | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2026 | U.S. Citizen | (No Data) | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8933 | Yes | No | 1.382 | (No Data) | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.63 | 0 | 36.63 | 36.63 | 36.63 | (No Data) | (No Data) | (No Data) | 34211.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 139 | xxx | xxx | xxx | xxx | IL | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2026 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7487 | No | No | 3.06 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7934.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1500.00 | 0.8228 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 140 | xxx | xxx | xxx | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2026 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 0.0000 | Yes | No | 0 | (No Data) | No | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.69 | 0 | 41.69 | 41.69 | 41.69 | (No Data) | (No Data) | (No Data) | 11663.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (xxx, xxx etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 143 | xxx | xxx | xxx | xxx | CA | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2026 | U.S. Citizen | (No Data) | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.8155 | Yes | No | 4.158 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 7.16 | 0 | 7.16 | 7.16 | 7.16 | (No Data) | (No Data) | (No Data) | 86815.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 144 | xxx | xxx | xxx | xxx | MD | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2026 | U.S. Citizen | U.S. Citizen | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 2 mos interest on amt prepd >1/3 of OPB | (No Data) | Yes | Yes | 1 | 8.0837 | No | No | 3.682 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5575.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1600.00 | No | (No Data) | 1.1910 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |
| 145 | xxx | xxx | xxx | xxx | NJ | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | 01/xx/2026 | (No Data) | U.S. Citizen | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5315 | No | No | 0.974 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -52008.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 1.0230 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | No | (No Data) | 0 | (No Data) | 0 | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | xxx |

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## Exhibit 99.3

**Exhibit 99.3 Schedule 3**

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| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *18* |
| ***Loans with Conditions:*** | *10* |

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| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **ConditionSub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** | **Full Diligence ID** |
| 79 | xxx | xxx | VA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.14% below guideline requirement of 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 30.5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 12.5 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 6.75 years | xxx |
| 92 | xxx | xxx | MO | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Credit | Application | Satisfied C A | xxx | Occupancy status not supported by file documentation | No | Provide the executed Occupancy Certification. | 1.2.2026 Client provided executed affidavit of Occupancy as Investment | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 16 months exceeds guidelines of 12 months | xxx |
| 92 | xxx | xxx | MO | (No Data) | ATR/QM: Exempt D C | A | A D C | A | A | Property Valuations | Appraisal | Satisfied D A | xxx | Missing updated valuation | No | Missing updated third party valuation. | 1.2.2026 Client provided duplicate (in file) appraisal dated 11.17.2025 with value of $xxx however still missing 3rd party valuation, per initial condition 1/5 Client asked for a review; Upon review program GLs require a third party valuation to support the appraised value : with a CDA from xxx, Appraisal Risk review from Stewart Valuation Intelligence, Consolidated Collateral analysis, from Consolidated Analystics 1.9.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 16 months exceeds guidelines of 12 months | xxx |
| 98 | xxx | xxx | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | xxx | Loan parameters do not meet guidelines | No | Missing ATR certification signed by Credit UW. | 12.22.2025 Client provided LOX stating, Is there an ATR form you want us to use or can we create this one ourselves. Response, per guidelines ATR certification signed by Credit UW required. Condition remains 12.24.2025 Client provided executed by Credit UW Ability to Repay Underwriting Certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: C0-Borrower has been in current residence for 13 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75% max per guidelines is 80%. | xxx |
| 103 | xxx | xxx | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | xxx | TRID - Error discovered on the Loan Estimate | No | Missing LE dated 12/11/2025 per the Disclosure Tracking Summary | 02/23/2026 Client provided the missing 12/11 locked LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 26 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 75% below guideline requirements of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.36% below guideline requirement of 50% | xxx |
| 109 | xxx | xxx | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 35 years on current SE job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Mid score of 816 exceeds guideline score requirement | xxx |
| 112 | xxx | xxx | MN | (No Data) | ATR/QM: Exempt D | B | A D | B | A | Compliance | Repayment Ability | Satisfied B A | xxx | File does not contain a repayment ability worksheet | No | Provide Repayment Ability Worksheet signed by credit UW. | 1.30.2026 Client provided ATR Underwriting Certification signed by UW however do not reflect borrower name. Condition remains for ATR worksheet to identify with borrower name. 2.18.2026 Client provided executed Repayment ATR Underwriting certification | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 73 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85% | xxx |
| 112 | xxx | xxx | MN | (No Data) | ATR/QM: Exempt D | B | A D | B | A | Compliance | Repayment Ability | Satisfied B A | xxx | MN Home Loan - Repayment Ability Worksheet dated after Trans Date | No | MN Home Loan - Repayment Ability Worksheet dated after Trans DateATR UW worksheet provided is dated 1.27.2026 after transaction date of 1.XX.2026 | 2.26.2026 Client provided ATR UW worksheet dated 1.9.2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 73 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85% | xxx |
| 112 | xxx | xxx | MN | (No Data) | ATR/QM: Exempt D | B | A D | B | A | Credit | DTI | Satisfied D A | xxx | Missing verification of some or all components of non-subject PITI | No | Provide the lease for xxx. | 1.28.2026 Client provided executed copy of Lease agreement for xx | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 73 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85% | xxx |
| 112 | xxx | xxx | MN | (No Data) | ATR/QM: Exempt D | B | A D | B | A | Credit | Terms/Guidelines | Satisfied C A | xxx | Loan documents do not meet guideline requirements | No | Provide the ATR Disclosure and the Borrower's Affirmation to Establish ATR signed by borrower. | 2.26.2026 Client provided executed Borrowers affirmation to establish ATR signed by Borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 73 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85% | xxx |
| 112 | xxx | xxx | MN | (No Data) | ATR/QM: Exempt D | B | A D | B | A | Property Valuations | Appraisal | Satisfied D A | xxx | Missing updated valuation | No | Provide the updated valuation | 1.30.2026 Client provided duplicate (in file) appraisal however initial condition is for 3rd party CDA valuation supporting appraised value. Condition remains 2.24.2026 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 8.08 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 73 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85% | xxx |
| 120 | xxx | xxx | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | xxx | Loan documents do not meet guideline requirements | No | Provide the ATR Disclosures and the Borrower's Affirmation to Establish ATR. | 1.12.2026 Client provided executed Notice to Borrower ATR Disclosure and Borrower's Affirmation of Information provided to establish ATR. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 61.81% below guideline requirements of 90%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 60 months exceeds guidelines of 12 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 9.67 years<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 15 years | xxx |
| 128 | xxx | xxx | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 3 months for the subject and 2 months for the additional REO. Reserves on hand are 35.79 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 29.27% below guideline requirement of 50% | xxx |
| 129 | xxx | xxx | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 34.03% below guideline requirement of 50%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 74 months exceeds guidelines of 12 months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 52.24% below guideline requirements of 75%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 16 years | xxx |
| 130 | xxx | xxx | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | xxx | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | All CD's- Loan Disclosures- Escrow Account- neither of You declined it and/or Your lender does not offer one are selected | 02/27/2026 Client provided PCCD 2/25 with correction and LOE. | Condition Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV is 15% below the 85% minimum guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 Credit score exceeds the 700 minimum guideline requirement by 72 points. | xxx |
| 130 | xxx | xxx | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | xxx | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing the lender ATR/QM status determination form. | 2/25 Client provided QM determinaion | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV is 15% below the 85% minimum guideline requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 772 Credit score exceeds the 700 minimum guideline requirement by 72 points. | xxx |
| 131 | xxx | xxx | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have 12 years at current residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The total LTV is 70% | xxx |
| 135 | xxx | xxx | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 786 max per guidelines is 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 1,363,990.91 in reserves. | xxx |
| 136 | xxx | xxx | CO | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | xxx | Loan parameters do not meet guidelines | No | AUS findings are Approve/Eligible. Need reason why a Non-QM program was chosen per guidelines. | 2/23 Client provided LOX due to better pricing | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 36.63% below guideline requirement of 50%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 5.33 years | xxx |
| 139 | xxx | xxx | IL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | (No Data) | xxx |
| 140 | xxx | xxx | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied C A | xxx | Insufficient Funds to Close | No | Provide sufficient liquid funds to close. | 2.12.2026 Client provided LOX stating, This loan is in the dry-funding state of California. I have uploaded both the Final Settlement Statement and the Post Consummation CD (PCCD) showing that the borrower never had to bring in any funds. The borrower actually got $xxx out at closing. Response, provided executed Final HUD-1 and PCCD reflecting cash to borrower of $xx | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 7.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 25 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.69% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.75 years | xxx |
| 140 | xxx | xxx | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied D A | xxx | Income Documentation Missing | No | Provide 2 years income documentation (1120S) for XX | 2/11 client provided the 23/24 1120s supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 7.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 25 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.69% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.75 years | xxx |
| 140 | xxx | xxx | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied C A | xxx | Loan documents do not meet guideline requirements | No | Provide the ATR Disclosures and the Borrower's Affirmation to Establish ATR. | 2/17 Client provided UW ATR CERT; missing the ATR Disclosures and the Borrower's Affirmation to Establish ATR. 2/20 Client provided the Borrowers Affirmations | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 7.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 25 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.69% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.75 years | xxx |
| 140 | xxx | xxx | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D A | xxx | Missing updated valuation | No | Missing updated valuation to support appraisal. | 3/31/2026 CDA received and supported. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has significant time at current job of 7.5 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 25 months exceeds guidelines of 12 months<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 41.69% below guideline requirement of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 7.5 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14.75 years | xxx |
| 143 | xxx | xxx | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied C A | xxx | Loan documents do not meet guideline requirements | No | Provide the ATR Disclosure and the Borrower's Affirmation to Establish ATR | 2/26/2026 client provided the affirmation and ATR disclosure. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 12.17 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 33 months exceeds guidelines of 12 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job of 18.75 years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI at 7.16% below guideline requirement of 50% | xxx |
| 144 | xxx | xxx | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 4 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history if 83 months exceeds guidelines of 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required reserves are 6 months for the subject property. Reserves on hand are 65.51 months. | xxx |
| 145 | xxx | xxx | NJ | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied C A | xxx | Loan documents do not meet guideline requirements | No | Provide a Certificate of Good Standing | 2.24.2026 Client provided copy of SOS for business active status dated 2.5.2026 | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 12.75 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 99 months exceeds guidelines of 12 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession of 20.08 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV at 80% below guideline requirements of 85% | xxx |

---

## Exhibit 99.3

**Exhibit 99.3 Schedule 4**

---

| | |
|:---|:---|
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *18* |

---

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/xx/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** | **Full Diligence ID** |
| 79 | xxx | ATR/QM: Exempt | No | 11/xx/2025 | Not Applicable | No | No | 0 | 1/xx/1900 | 7.0164 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | xxx |
| 92 | xxx | ATR/QM: Exempt | No | 10/xx/2025 | Not Applicable | No | No | 0 | 1/xx/1900 | 8.5698 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | xxx |
| 98 | xxx | Non-QM: Lender documented all ATR UW factors | No | 11/xx/2025 | Not Applicable | No | No | 7248.69 | 11/xx/2025 | 6.303 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | xxx |
| 103 | xxx | QM: Rebuttable Presumption (APOR) | No | 12/xx/2025 | Not Applicable | No | Yes | 2185.39 | 1/xx/2026 | 9.453 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | xxx |
| 109 | xxx | Non-QM: Lender documented all ATR UW factors | No | 12/xx/2025 | Not Applicable | No | No | 6366.6 | 12/xx/2025 | 9.0506 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 | xxx |
| 112 | xxx | ATR/QM: Exempt | No | 12/xx/2025 | Not Applicable | Yes | No | 0 | 12/xx/2025 | 7.3886 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | xxx |
| 120 | xxx | QM: Safe Harbor (APOR) | No | 11/xx/2025 | Not Applicable | No | Yes | 1850 | 12/xx/2025 | 6.1394 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | xxx |
| 128 | xxx | ATR/QM: Exempt | No | 01/xx/2026 | 01/xx/2026 | Yes | No | 0 | 1/xx/1900 | 7.7488 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | xxx |
| 129 | xxx | Non-QM: Lender documented all ATR UW factors | No | 01/xx/2026 | 01/xx/2026 | No | No | 1695 | 1/xx/2026 | 6.0087 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 | xxx |
| 130 | xxx | Non-QM: Lender documented all ATR UW factors | No | 01/xx/2026 | 01/xx/2026 | No | No | 8000 | 1/xx/2026 | 6.0594 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 | xxx |
| 131 | xxx | ATR/QM: Exempt | No | 01/xx/2026 | Not Applicable | No | No | 0 | 1/xx/1900 | 7.5743 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | xxx |
| 135 | xxx | ATR/QM: Exempt | No | 01/xx/2026 | Not Applicable | No | No | 0 | 1/xx/1900 | 7.5268 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | xxx |
| 136 | xxx | ATR/QM: Exempt | No | 01/xx/2026 | 01/xx/2026 | Yes | No | 0 | 1/xx/1900 | 6.8933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | xxx |
| 139 | xxx | ATR/QM: Exempt | No | 01/xx/2026 | Not Applicable | No | No | 0 | 1/xx/1900 | 7.7487 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | xxx |
| 140 | xxx | ATR/QM: Exempt | No | 01/xx/2026 | Not Applicable | Yes | No | 0 | 1/xx/1900 | 0 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | xxx |
| 143 | xxx | ATR/QM: Exempt | No | 01/xx/2026 | Not Applicable | No | No | 0 | 1/xx/1900 | 6.8155 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 | xxx |
| 144 | xxx | ATR/QM: Exempt | No | 01/xx/2026 | Not Applicable | No | No | 0 | 1/xx/1900 | 8.0837 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 | xxx |
| 145 | xxx | ATR/QM: Exempt | No | 01/xx/2026 | Not Applicable | No | No | 0 | 1/xx/1900 | 7.5315 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 | xxx |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.3

**Exhibit 99.3 Schedule 5**

---

| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *9* |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Borrower Last Name** | **Field** | **Tape Data** | **Reviewer Data** | **Full Diligence ID** |
| 92 | xxx | xxx | Product Type | Redwood Aspire Expanded DSCR 40 YR | 30 Yr Fixed | xxx |
| 103 | xxx | xxx | Original Term | 30 | 360 | xxx |
| 112 | xxx | xxx | Property Type | SFR | 2 Family | xxx |
| 128 | xxx | xxx | Borrower 1 Last Name | xx | xx | xxx |
| 129 | xxx | xxx | Debt to Income Ratio (Back) | 36.0780 | 31.1144 | xxx |
| 140 | xxx | xxx | Property Type | 5+ Units | SFR | xxx |
| 144 | xxx | xxx | Debt to Income Ratio (Back) | 1336.6820 | 0 | xxx |
| 144 | xxx | xxx | Original Term | 30 | 360 | xxx |

---

©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.3

**Exhibit 99.3 Schedule 6**

---

| | |
|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *18* |
| ***Loans with Conditions:*** | *10* |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** | **Full Diligence ID** |
| 79 | xxx | 11/xx/2025 | Not Applicable | A | A | A | A | Not Applicable | xxxx |
| 92 | xxx | 10/xx/2025 | Not Applicable D C | A | A D C | A | A | Not Applicable | xxxx |
| 98 | xxx | 11/xx/2025 | Not Applicable C | A | A C | A | A | Not Applicable | xxxx |
| 103 | xxx | 12/xx/2025 | Not Applicable C | C | A C | C | A | Not Applicable | xxxx |
| 109 | xxx | 12/xx/2025 | Not Applicable | A | A | A | A | Not Applicable | xxxx |
| 112 | xxx | 12/xx/2025 | Not Applicable D | B | A D | B | A | Not Applicable | xxxx |
| 120 | xxx | 11/xx/2025 | Not Applicable C | A | A C | A | A | Not Applicable | xxxx |
| 128 | xxx | 01/xx/2026 | 01/xx/2026 A | A | A | A | A | Not Applicable | xxxx |
| 129 | xxx | 01/xx/2026 | 01/xx/2026 A | A | A | A | A | Not Applicable | xxxx |
| 130 | xxx | 01/xx/2026 | 01/xx/2026 C B A | C | B C A | C | B | Not Applicable | xxxx |
| 131 | xxx | 01/xx/2026 | Not Applicable | A | A | A | A | Not Applicable | xxxx |
| 135 | xxx | 01/xx/2026 | Not Applicable | A | A | A | A | No | xxxx |
| 136 | xxx | 01/xx/2026 | 01/xx/2026 C A | A | A C | A | A | Not Applicable | xxxx |
| 139 | xxx | 01/xx/2026 | Not Applicable | N/A | N/A | N/A | N/A | Not Applicable | xxxx |
| 140 | xxx | 01/xx/2026 | Not Applicable D | A | A D | A | A | Not Applicable | xxxx |
| 143 | xxx | 01/xx/2026 | Not Applicable C | A | A C | A | A | Not Applicable | xxxx |
| 144 | xxx | 01/xx/2026 | Not Applicable | N/A | N/A | N/A | N/A | Not Applicable | xxxx |
| 145 | xxx | 01/xx/2026 | Not Applicable C | N/A | N/A C | N/A | N/A | Not Applicable | xxxx |

---

## Exhibit 99.4

**Exhibit 99.4**

![](ex99-4_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly via reliance letter by Rithm Capital, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted on Loans with origination dates from September 2025 through March 2026 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained two hundred nine (209) Loans totaling an aggregate original principal balance of approximately $106.624 million (the "Loans").

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), Fitch Ratings, Inc. ("Fitch") and KBRA, Inc. ("Kroll").

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;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 mortgage loan origination documentation to determine conformity with the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

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

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

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![](ex99-4_001.jpg)

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

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

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

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

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

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

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

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

**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.

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![](ex99-4_001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(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.

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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 4.0 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;

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

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

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

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

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

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

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

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

 

*<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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![](ex99-4_001.jpg)

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** 

**OVERALL REVIEW RESULTS SUMMARY**

Of the two hundred nine (209) Loans reviewed, all two hundred nine (209) Loans or (100%) received an overall "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;187 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;10.53% |
| &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;**209** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

One hundred twenty-seven (127) Loans are DSCR loans and will not have a compliance grade.

Of the eighty-two (82) Loans reviewed for compliance, all eighty-two (82) Loans or (100%) received an "A" or "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;72 | &nbsp;&nbsp;87.80% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;12.20% |
| &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;**82** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99-4_001.jpg)

**CREDIT RESULTS SUMMARY**

All two hundred anine (209) Loans (100%) reviewed received an "A" or "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;195 | &nbsp;&nbsp;93.30% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;6.70% |
| &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;**209** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All two hundred nine (209) Loans (100%) reviewed under the applicable rating agency criteria, received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;209 | &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;**209** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY** 

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

overall loan grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**13** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**16** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**29** |

---

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![](ex99-4_001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

The two hundred nine (209) Loans reviewed had a total of three hundred six (306) different tape discrepancies across thirteen (13) data fields (some Loans had more than one data delta). The largest variances were found on Borrower Last Name, Note Date and Contract Sales Price where the data tape information did not coincide with the documentation type found in the loan file.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;82 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;82 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;82 | &nbsp;&nbsp;10.98% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;104 | &nbsp;&nbsp;209 | &nbsp;&nbsp;49.76% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;47 | &nbsp;&nbsp;209 | &nbsp;&nbsp;22.49% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;0 | &nbsp;&nbsp;127 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;82 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;5 | &nbsp;&nbsp;127 | &nbsp;&nbsp;3.94% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;98 | &nbsp;&nbsp;127 | &nbsp;&nbsp;77.17% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;82 | &nbsp;&nbsp;13.41% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.48% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;127 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;209 | &nbsp;&nbsp;1.91% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;209 | &nbsp;&nbsp;3.35% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;15 | &nbsp;&nbsp;127 | &nbsp;&nbsp;11.81% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;209 | &nbsp;&nbsp;0.48% | &nbsp;&nbsp;209 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**306** | &nbsp;&nbsp;**4389** | &nbsp;&nbsp;**6.97%** | &nbsp;&nbsp;**209** |

---

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![](ex99-4_001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$106623614.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106623614.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$106623614.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106623614.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;98 | &nbsp;&nbsp;46.89% | &nbsp;&nbsp;$47210320.00 | &nbsp;&nbsp;44.28% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.74% | &nbsp;&nbsp;$3711651.00 | &nbsp;&nbsp;3.48% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;68 | &nbsp;&nbsp;32.54% | &nbsp;&nbsp;$41542393.00 | &nbsp;&nbsp;38.96% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;31 | &nbsp;&nbsp;14.83% | &nbsp;&nbsp;$14159250.00 | &nbsp;&nbsp;13.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106623614.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;209 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$106623614.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106623614.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;120 | &nbsp;&nbsp;57.42% | &nbsp;&nbsp;$64608026.00 | &nbsp;&nbsp;60.59% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.83% | &nbsp;&nbsp;$3102100.00 | &nbsp;&nbsp;2.91% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;$567500.00 | &nbsp;&nbsp;0.53% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;40 | &nbsp;&nbsp;19.14% | &nbsp;&nbsp;$20435688.00 | &nbsp;&nbsp;19.17% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.44% | &nbsp;&nbsp;$533250.00 | &nbsp;&nbsp;0.50% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;21 | &nbsp;&nbsp;10.05% | &nbsp;&nbsp;$9480950.00 | &nbsp;&nbsp;8.89% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;13 | &nbsp;&nbsp;6.22% | &nbsp;&nbsp;$6574850.00 | &nbsp;&nbsp;6.17% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;$1321250.00 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106623614.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;66 | &nbsp;&nbsp;31.58% | &nbsp;&nbsp;$46722872.00 | &nbsp;&nbsp;43.82% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;139 | &nbsp;&nbsp;66.51% | &nbsp;&nbsp;$56293742.00 | &nbsp;&nbsp;52.80% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.91% | &nbsp;&nbsp;$3607000.00 | &nbsp;&nbsp;3.38% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**209** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$106623614.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.4

**Exhibit 99.4 Schedule 1**

---

| |
|:---|
| ![](ex99-4sch1_001.jpg) |
| **Valuation Report** |
| **Run Date - 4/xx/2026 11:05:57 AM** |

---

---

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| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller 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** |
| 623 | xxx | xxx | xxx |  | 10/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 9/xx/2025 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 683 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.40 |
| 675 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 2.120% | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 649 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| 638 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 735 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 751 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 746 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 685 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 701 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 712 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 655 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 726 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 0.560% | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 741 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 779 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 750 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 749 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 789 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 740 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 659 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 722 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 723 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 744 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 671 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 713 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 731 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 629 | xxx | xxx | xxx |  | 11/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 9/xx/2025 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 821 | xxx | xxx | xxx |  | 9/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 8/xx/2025 | 8/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 648 | xxx | xxx | xxx |  | 11/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 637 | xxx | xxx | xxx |  | 11/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 703 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 721 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 823 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 757 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 719 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 720 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 787 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 768 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 695 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 710 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 684 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 645 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 642 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 737 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 727 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 725 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 736 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 752 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.50 |
| 733 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | -0.330% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 822 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 766 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 666 | xxx | xxx | xxx |  | 11/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 633 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 10.410% | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 653 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 660 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 3.330% | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 641 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 706 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 711 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | -9.720% | 12/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 627 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $xxx | 28.210% | $xxx | 9/xx/2025 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 6.670% | 11/xx/2025 | 10/xx/2025 | Appraisal | xxx |  |  |  |  |  |  |  |  | $xx | $0.00 | 0.000% | xx | High | 9/xx/2025 | 9/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 657 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 654 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 677 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 658 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 668 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $xxx | 2.270% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 |  | Stated | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 647 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 670 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.50 |
| 626 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 9/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 702 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 718 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 650 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 697 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 665 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 709 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 636 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 632 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 621 | xxx | xxx | xxx |  | 9/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 9/xx/2025 | 8/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 9/xx/2025 | 8/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 624 | xxx | xxx | xxx |  | 11/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 9/xx/2025 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 10/xx/2025 | 9/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 635 | xxx | xxx | xxx |  | 11/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 652 | xxx | xxx | xxx |  | 11/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 630 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 10/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 676 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 622 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 9/xx/2025 | Field Review | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 646 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 688 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 693 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 674 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 673 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 7/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 7/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 717 | xxx | xxx | xxx |  | 12/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 628 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 690 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| 682 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | -4.000% | 12/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 705 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 707 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 743 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 700 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 714 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 738 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 762 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 1.360% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 754 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | -6.670% | 12/xx/2025 | 9/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 763 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 667 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 687 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | -2.500% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 696 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 773 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 753 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 679 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 704 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 672 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 680 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 777 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 715 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 824 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 661 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 734 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 3.200% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 686 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 643 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 656 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 783 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| 639 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 764 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $xxx | 5.710% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 745 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 786 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 662 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 761 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 748 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 694 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 691 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 689 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 788 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 664 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 739 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 770 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 716 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| 730 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 729 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 728 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 760 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 699 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $xxx | 6.530% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Field Review | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 765 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 780 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 784 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 9/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 755 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
| 820 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 797 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 663 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 634 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | -1.470% | 10/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 801 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 809 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 2/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.80 |
| 815 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| 758 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 806 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 772 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 811 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 625 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 813 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 805 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 774 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 791 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 803 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 804 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 631 | xxx | xxx | xxx |  | 11/xx/2025 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 10/xx/2025 | 9/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 732 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 681 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 640 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.40 |
| 692 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 698 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 12/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 756 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 742 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 10/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 678 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 11/xx/2025 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 825 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 794 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 781 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 0.790% | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 708 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 782 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 767 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 747 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 6.160% | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx |  |  |  |  |  |  |  |  | $xx | $xx | $xx | $xx | Low | 12/xx/2025 | 12/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 644 | xxx | xxx | xxx |  | 10/xx/2025 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 10/xx/2025 | 10/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 10/xx/2025 | 10/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 785 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 828 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 827 | xxx | xxx | xxx |  | 1/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 0.260% | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 826 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 771 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 810 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 0.030% | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 724 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | -1.910% | 1/xx/2026 | 12/xx/2025 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
| 800 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 796 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| 817 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.20 |
| 775 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 776 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 2.500% | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 818 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 795 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $xxx | 3.640% | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| 807 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 12/xx/2025 | 12/xx/2025 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 769 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 790 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 759 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 808 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 792 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 620 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 793 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 2/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 798 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 9/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 9/xx/2025 | Field Review | xxx |  |  |  |  |  |  |  |  | $xx | $xx | xx% | xx | Indeterminate | 2/xx/2026 | 9/xx/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 812 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 669 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 778 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 1/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 651 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 799 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 1/xx/2026 | Desk Review | xxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 814 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 802 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 11/xx/2025 | 11/xx/2025 | Appraisal | xxx | xxx | xxx |  | $xxx | $0.00 | 0.000% | 2/xx/2026 | 11/xx/2025 | Desk Review | xxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 816 | xxx | xxx | xxx |  | 3/xx/2026 | $xxx | $xxx | $xxx |  | $0.00 | 0.000% | $xxx | 2/xx/2026 | 2/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 819 | xxx | xxx | xxx |  | 2/xx/2026 | $xxx |  | $xxx |  | $0.00 | 0.000% | $xxx | 1/xx/2026 | 1/xx/2026 | Appraisal | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 2**

---

| |
|:---|
| ![](ex99-4sch2_001.jpg) |
| **ASF Addendum - Business Purpose** |
| **Run Date - 4/xx/2026 11:06:00 AM** |

---

---

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| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| 718 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $6300.00 | 1004/70 | $6300.00 | Third Party Rental Source | $3058.11 |  | 0.000000 | 0.49 |  |  | 2.06 | 2.06 | $3058.11 |  |  | No |  |  |  | Long Term |  | $6300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $37500.00 | Yes | $730.00 | $901.04 | $132.59 | Level 1-Not Stated/Not Verified | No | 1 | 5 | No |  | No | Experienced Investor |  |  | US Citizen | 708 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Trust | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Trustee |  | xxx | xxx | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/xx/2025 | 708 | Fair Isaac (VER. 2) | 704 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 11/xx/2025 | $xxx | 1 | 1986 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 24.824% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 648 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2900.00 | 1004/70 | $2900.00 | Third Party Rental Source | $1926.50 |  | 0.000000 | 0.66 |  |  | 1.51 | 1.51 | $1926.50 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $62000.00 | Yes | $20.83 | $933.65 | $215.17 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 706 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Trust | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/xx/2025 | 647 | Fair Isaac (VER. 2) | 688 | FICO Classic V5 Facta | 662 | FICO Risk Score Classic 04 | Individual | xx | xx | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/xx/2025 | 706 | Fair Isaac (VER. 2) | 706 | FICO Classic V5 Facta | 664 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 | 10/xx/2025 | $xxx | 1 | 2007 | xxx | 4 | 2.1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 31.328% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 729 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term |  | $3600.00 | 1025/72 | $3600.00 | Third Party Rental Source | $2050.79 |  | 0.000000 | 0.57 |  |  | 1.76 | 1.76 | $2050.79 |  |  | Yes |  |  |  | Long Term |  | $1150.00 | Yes |  |  |  | Long Term |  | $1150.00 | Yes |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $278.13 | $125.42 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 1.42 |  |  | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 51.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 717 | Fair Isaac (VER. 2) | 697 | FICO Classic V5 Facta | 710 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 3 | 1915 | xxx | 5 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 730 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3625.00 | 1025/72 | $3625.00 | Third Party Rental Source | $2205.19 |  | 0.000000 | 0.61 |  |  | 1.64 | 1.64 | $2205.19 |  |  | No |  |  |  | Long Term |  | $1150.00 | No |  |  |  | Long Term |  | $1175.00 | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $295.96 | $135.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.40 |  |  | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 51.00% | Full Recourse | 6 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 717 | Fair Isaac (VER. 2) | 697 | FICO Classic V5 Facta | 710 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 3 | 1915 | xxx | 7 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 733 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $5500.00 | $4400.00 | 1004/70 | $5500.00 | Rent on Existing Lease | $4201.53 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $4201.53 |  |  | Yes | 3/xx/2026 | 2/xx/2027 | 12 | Long Term | $5500.00 | $4400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $100000.00 | Yes | $60.00 | $624.27 | $169.33 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 721 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 721 | FICO II | 725 | Beacon 5 | 688 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 | 12/xx/2025 | $xxx | 1 | 2023 | xxx | 5 | 3.1 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | 59.697% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 645 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $6500.00 | 1004/70 | $11300.00 | Multiple Sources | $8659.88 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $8659.88 |  |  | No |  |  |  | Long Term |  | $6500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $259800.00 | No |  | $2179.77 | $293.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual | Retired | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/xx/2025 | 750 | FICO II | 759 | Beacon 5 | 748 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 | 9/xx/2025 | $xxx | 1 | 2001 | xxx | 5 | 3 | C3 | $xxx | $0.00 | $4800.00 |  |  |  |  |  |  | 60.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 658 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5200.00 | 1004/70 | $5200.00 | Third Party Rental Source | $5970.64 |  | 0.000000 | 1.15 |  |  | 0.87 | 0.87 | $5970.64 |  |  | No |  |  |  | Long Term |  | $5200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $143.00 | $336.59 | $170.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 773 | Fair Isaac (VER. 2) | 762 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 10/xx/2025 | $xxx | 1 | 1994 | xxx | 4 | 2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 60.559% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 801 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1850.00 | 1004/70 | $1850.00 | Third Party Rental Source | $1290.55 |  | 0.000000 | 0.7 |  |  | 1.43 | 1.43 | $1290.55 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $50.00 | $269.21 | $52.81 | Level 4-Stated/Verified as defined | No | 1 | 20 | No | No | No | Experienced Investor | 1.94 | US Citizen | US Citizen | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 734 | Fair Isaac (VER. 2) | 717 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 740 | Fair Isaac (VER. 2) | 729 | FICO Classic V5 Facta | 780 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 2023 | xxx | 3 | 2.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 797 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2500.00 | 1004/70 | $2500.00 | Third Party Rental Source | $2713.16 |  | 0.000000 | 1.09 |  |  | 0.92 | 0.92 | $2713.16 |  |  | No |  |  |  | Long Term |  | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27600.00 | Yes | $58.00 | $1007.26 | $258.61 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 775 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 775 | Fair Isaac (VER. 2) | 775 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2025 | 12/xx/2025 | $xxx | 1 | 2014 | xxx | 3 | 2.2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 67.423% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 665 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $4900.00 | 1025/72 | $4900.00 | Third Party Rental Source | $3652.71 |  | 0.000000 | 0.75 |  |  | 1.34 | 1.34 | $3652.71 |  |  | No |  |  |  | Long Term |  | $1500.00 | No |  |  |  | Long Term |  | $2000.00 | No |  |  |  | Long Term |  | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $1301.98 | $176.17 | Level 4-Stated/Verified as defined | No | 1 | 6 | No | No |  | Experienced Investor | 2.08 | US Citizen |  | 720 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 709 | FICO II | 720 | Beacon 5 | 726 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 3 | 1962 | xxx | 8 | 3 | Good |  | $0.00 |  |  |  |  |  |  |  | 74.940% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 721 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1838.54 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $1838.54 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29900.00 | Yes | $68.67 | $223.64 | $87.03 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 805 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 803 | Fair Isaac (VER. 2) | 807 | Beacon 5 | 805 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 11/xx/2025 | $xxx | 1 | 2025 | xxx | 3 | 2.1 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | 74.526% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 629 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $7000.00 | $4600.00 | 1004/70 | $7000.00 | Rent on Existing Lease | $4663.88 |  | 0.000000 | 0.67 |  |  | 1.50 | 1.5 | $4663.88 |  |  | Yes | 11/xx/2025 | 11/xx/2026 | 12 | Long Term | $7000.00 | $4600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $67500.00 | Yes | $31.25 | $1263.19 | $316.20 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/xx/2025 | 753 | Fair Isaac (VER. 2) | 709 | FICO Classic V5 Facta | 739 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/xx/2025 | 9/xx/2025 | $xxx | 1 | 1993 | xxx | 4 | 3 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 67.359% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 637 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5100.00 | 1004/70 | $9066.67 | Multiple Sources | $7085.24 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $7085.24 |  |  | No |  |  |  | Long Term |  | $5100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $1197.92 | $149.67 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No |  | Experienced Investor |  | US Citizen |  | 697 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual | Retired | xxx | xxx | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 699 | Fair Isaac (VER. 2) | 697 | FICO Classic V5 Facta | 694 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 | 5/xx/2025 | $xxx | 1 | 1978 | xxx | 3 | 2 | C3 | $xxx | $0.00 | $3966.67 |  |  |  |  |  |  | 73.826% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 737 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3000.00 | 1073/465 | $3000.00 | Third Party Rental Source | $2756.49 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $2756.49 |  |  | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $150.00 | $378.45 | $0.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No | No | First-Time Investor |  | US Citizen | US Citizen | 800 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/xx/2025 | 765 | Fair Isaac (VER. 2) | 765 | FICO Classic V5 Facta | 773 | FICO Risk Score Classic 04 | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/xx/2025 | 800 | Fair Isaac (VER. 2) | 798 | FICO Classic V5 Facta | 803 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 | 11/xx/2025 | $xxx | 1 | 2005 | xxx | 3 | 1.1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 702 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2950.00 | 1004/70 | $2950.00 | Third Party Rental Source | $3620.05 |  | 0.000000 | 1.23 |  |  | 0.81 | 0.81 | $3620.05 |  |  | No |  |  |  | Long Term |  | $2950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | Yes | $105.00 | $257.50 | $111.08 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor |  | US Citizen |  | 792 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/xx/2025 | 807 | Fair Isaac (VER. 2) | 792 | FICO Classic V5 Facta | 792 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 10/xx/2025 | $xxx | 1 | 1985 | xxx | 3 | 2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 676 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1200.00 | 1073/465 | $1200.00 | Third Party Rental Source | $1329.86 |  | 0.000000 | 1.11 |  |  | 0.90 | 0.9 | $1329.86 |  |  | No |  |  |  | Long Term |  | $1200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $191.00 | $163.31 | $29.08 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 766 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 4 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 669 | Fair Isaac (VER. 2) | 674 | FICO Classic V5 Facta | 688 | FICO Risk Score Classic 04 | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 777 | Fair Isaac (VER. 2) | 766 | FICO Classic V5 Facta | 760 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 10/xx/2025 | $xxx | 1 | 1960 | xxx | 1 | 1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 73.714% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 714 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5000.00 | 1025/72 | $5000.00 | Third Party Rental Source | $4820.23 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $4820.23 |  |  | No |  |  |  | Long Term |  | $2000.00 | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $136800.00 | No |  | $493.70 | $286.42 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 25.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 751 | FICO II | 739 | Beacon 5 | 738 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 11/xx/2025 | $xxx | 2 | 1920 | xxx | 3 | 2 | Very Good | $xxx | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 689 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5000.00 | 1004/70 | $5000.00 | Third Party Rental Source | $4707.69 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $4707.69 |  |  | No |  |  |  | Long Term |  | $5000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $140000.00 | No |  | $1122.19 | $146.42 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 813 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 812 | FICO II | 813 | Beacon 5 | 813 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 11/xx/2025 | $xxx | 1 | 1925 | xxx | 4 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 806 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5900.00 | 1025/72 | $5900.00 | Third Party Rental Source | $5611.03 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $5611.03 |  |  | No |  |  |  | Long Term |  | $1400.00 | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $108100.00 | No |  | $636.29 | $304.83 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 774 | FICO II | 755 | Beacon 5 | 787 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 | 12/xx/2025 | $xxx | 3 | 1920 | xxx | 6 | 3.1 | Average | $xxx | $0.00 |  |  |  |  |  |  |  | 74.611% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 805 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1781.90 |  | 0.000000 | 0.94 |  |  | 1.07 | 1.07 | $1781.90 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $515.92 | $293.08 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 682 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 12/xx/2025 | 690 | Fair Isaac (VER. 2) | 682 | FICO Classic V5 Facta | 679 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 | 1/xx/2026 | $xxx | 1 | 1968 | xxx | 3 | 2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 71.429% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 804 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Short Term |  | $6333.33 | 1073/465 | $5066.66 | Multiple Sources | $3438.45 |  | 0.000000 | 0.68 |  |  | 1.47 | 1.47 | $3438.45 |  |  | No |  |  |  | Short Term |  | $6333.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12000.00 | Yes | $750.00 | $270.58 | $144.07 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 754 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 720 | FICO II |  |  | 754 | FICO Risk Score Classic 04 | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 | 12/xx/2025 | $xxx | 1 | 2001 | xxx | 2 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 74.176% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 725 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $3500.00 | $3100.00 | 1004/70 | $3500.00 | Rent on Existing Lease | $3487.98 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $3487.98 |  |  | Yes | 2/xx/2026 | 1/xx/2027 | 12 | Long Term | $3500.00 | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $100000.00 | Yes | $282.00 | $294.30 | $152.58 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | First-Time Investor |  | US Citizen |  | 716 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 12/xx/2025 | 744 | Fair Isaac (VER. 2) | 716 | FICO Classic V5 Facta | 715 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 | 12/xx/2025 | $xxx | 1 | 2025 | xxx | 3 | 2 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | 78.067% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 719 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3100.00 | 1004/70 | $3100.00 | Third Party Rental Source | $3089.55 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $3089.55 |  |  | No |  |  |  | Long Term |  | $3100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $143.78 | $177.31 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  | No | Experienced Investor |  |  | US Citizen | 806 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Trust | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Individual | Individual |  | xxx | xxx | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | 12/xx/2025 | 809 | Fair Isaac (VER. 2) | 806 | FICO Classic V5 Facta | 798 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 | 10/xx/2025 | $xxx | 1 | 1900 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 79.061% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 821 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 1/xx/2000 | Yes | No | Long Term |  | $2100.00 | 1004/70 | $3833.33 | Multiple Sources | $2804.01 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $2804.01 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $37100.00 | No |  | $427.73 | $112.42 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual | Retired | xxx | xxx | 3 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 8/xx/2025 | 740 | Fair Isaac (VER. 2) | 750 | FICO Classic V5 Facta | 751 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8/xx/2025 | 7/xx/2025 | $xxx | 1 | 1946 | xxx | 2 | 2 | C4 | $xxx | $0.00 | $1733.33 |  |  |  |  |  |  | 79.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 703 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $10000.00 | $7050.00 | 1073/465 | $10000.00 | Rent on Existing Lease | $8935.41 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $8935.41 |  |  | Yes | 1/xx/2026 | 1/xx/2027 | 12 | Long Term | $10000.00 | $7050.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $125000.00 | No |  | $2284.70 | $137.13 | Level 1-Not Stated/Not Verified | No | 1 | 3 | No |  |  | Experienced Investor |  |  |  | 727 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 736 | Fair Isaac (VER. 2) | 721 | FICO Classic V5 Facta | 727 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 11/xx/2025 | $xxx | 1 | 2025 | xxx | 4 | 4.1 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | 77.964% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 727 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $4350.00 | 1025/72 | $4350.00 | Third Party Rental Source | $4325.90 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $4325.90 |  |  | No |  |  |  | Long Term |  | $1450.00 | No |  |  |  | Long Term |  | $1450.00 | No |  |  |  | Long Term |  | $1450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $66500.00 | No |  | $866.95 | $183.33 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | US Citizen |  | 798 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 12/xx/2025 | 803 | Fair Isaac (VER. 2) | 798 | Beacon 5 | 786 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 | 12/xx/2025 | $xxx | 3 | 1917 | xxx | 6 | 3 | Average | $xxx | $0.00 |  |  |  |  |  |  |  | 78.815% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 697 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2000.00 | 1004/70 | $2000.00 | Third Party Rental Source | $2793.37 |  | 0.000000 | 1.4 |  |  | 0.72 | 0.72 | $2793.37 |  |  | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $550.80 | $86.67 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 782 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 782 | Fair Isaac (VER. 2) | 801 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 9/xx/2025 | $xxx | 1 | 1969 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 709 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $6000.00 | $4300.00 | 1025/72 | $6000.00 | Rent on Existing Lease | $5338.01 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $5338.01 |  |  | Yes | 1/xx/2026 | 12/xx/2026 | 12 | Long Term | $2500.00 | $2000.00 | Yes | 1/xx/2026 | 12/xx/2026 | 12 | Long Term | $3500.00 | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $72500.00 | No |  | $1081.62 | $272.48 | Level 3-Stated/Partially Verified | No | 1 | 3 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 804 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 11/xx/2025 | 752 | Fair Isaac (VER. 2) | 739 | FICO Classic V5 Facta | 767 | FICO Risk Score Classic 04 | Individual | Individual |  | xxx | xxx | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 11/xx/2025 | 804 | Fair Isaac (VER. 2) | 790 | FICO Classic V5 Facta | 816 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 11/xx/2025 | $xxx | 2 | 1900 | xxx | 6 | 3 | Average | $xxx | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 652 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2800.00 | 1004/70 | $4933.33 | Multiple Sources | $3944.09 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $3944.09 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $36300.00 | No |  | $329.12 | $594.36 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 787 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 8/xx/2025 | 787 | Fair Isaac (VER. 2) | 795 | FICO Classic V5 Facta | 782 | FICO Risk Score Classic 04 | 3 | xxx | xxx | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 2-Stated/Not Verified | Classic | 8/xx/2025 | 771 | Fair Isaac (VER. 2) | 734 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 | 10/xx/2025 | $xxx | 1 | 1956 | xxx | 4 | 2 | C2 | $xxx | $0.00 | $2133.33 |  |  |  |  |  |  | 79.121% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 630 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2700.00 | 1025/72 | $2700.00 | Third Party Rental Source | $1583.35 |  | 0.000000 | 0.59 |  |  | 1.71 | 1.71 | $1583.35 |  |  | No |  |  |  | Long Term |  | $1100.00 | No |  |  |  | Long Term |  | $850.00 | No |  |  |  | Long Term |  | $750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $50000.00 | No |  | $304.58 | $146.06 | Level 1-Not Stated/Not Verified | No | 1 | 8 | No |  |  | Experienced Investor |  |  |  | 737 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Guarantor - Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 6 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 715 | Fair Isaac (VER. 2) | 698 | FICO Classic V5 Facta | 796 | FICO Risk Score Classic 04 | 3 | xxx | xxx | 50.00% | Full Recourse | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 741 | Fair Isaac (VER. 2) | 736 | FICO Classic V5 Facta | 737 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/xx/2025 | 9/xx/2025 | $xxx | 3 | 1905 | xxx | 6 | 3 | Average | $xxx | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 688 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $4200.00 | $3200.00 | 1004/70 | $4200.00 | Rent on Existing Lease | $3360.04 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $3360.04 |  |  | Yes | 2/xx/2026 | 1/xx/2027 | 12 | Long Term | $4200.00 | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $355.67 | $77.33 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 796 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 3 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 11/xx/2025 | 812 | Fair Isaac (VER. 2) | 796 | FICO Classic V5 Facta | 775 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 11/xx/2025 | $xxx | 1 | 1974 | xxx | 3 | 1 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 693 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1550.00 | 1004/70 | $1550.00 | Third Party Rental Source | $1185.55 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $1185.55 |  |  | No |  |  |  | Long Term |  | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $21000.00 | No |  | $132.50 | $105.18 | Level 3-Stated/Partially Verified | No | 1 | 4 | No | No | No | Experienced Investor |  | US Citizen | US Citizen | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 4 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/xx/2025 | 715 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 749 | FICO Risk Score Classic 04 | Individual | Individual |  | xxx | xxx | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/xx/2025 | 760 | Fair Isaac (VER. 2) | 724 | FICO Classic V5 Facta | 743 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 12/xx/2025 | $xxx | 1 | 1964 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 72.558% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 673 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $4000.00 | 1073/465 | $4000.00 | Third Party Rental Source | $1661.34 |  | 0.000000 | 0.42 |  |  | 2.41 | 2.41 | $1661.34 |  |  | No |  |  |  | Long Term |  | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $200.00 | $246.30 | $0.00 | Level 1-Not Stated/Not Verified | No | 1 | 5 | No |  |  | Experienced Investor |  |  |  | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 3 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 653 | Fair Isaac (VER. 2) | 723 | FICO Classic V5 Facta | 770 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 6/xx/2025 | $xxx | 1 | 2025 | xxx | 2 | 1 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | 33.255% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 682 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2500.00 | 1025/72 | $2500.00 | Third Party Rental Source | $1913.76 |  | 0.000000 | 0.77 |  |  | 1.31 | 1.31 | $1913.76 |  |  | No |  |  |  | Long Term |  | $1250.00 | No |  |  |  | Long Term |  | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $24000.00 | No |  | $464.97 | $168.17 | Level 3-Stated/Partially Verified | No | 1 | 2 | No |  |  | Experienced Investor |  |  |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 778 | Fair Isaac (VER. 2) | 767 | FICO Classic V5 Facta | 757 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 11/xx/2025 | $xxx | 2 | 1930 | xxx | 6 | 2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 753 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2575.00 | 1004/70 | $2575.00 | Third Party Rental Source | $2305.62 |  | 0.000000 | 0.9 |  |  | 1.12 | 1.12 | $2305.62 |  |  | No |  |  |  | Long Term |  | $2575.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $480.00 | $79.25 | Level 3-Stated/Partially Verified | No | 1 | 2 | No | No |  | Experienced Investor |  | Permanent Resident Alien |  | 739 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | Permanent Resident Alien |  |  | Level 3-Stated/Partially Verified | 12/xx/2025 | 739 | Fair Isaac (VER. 2) | 746 | FICO Classic V5 Facta | 715 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 | 12/xx/2025 | $xxx | 1 | 2026 | xxx | 3 | 2.1 | C1 | $xxx | $0.00 |  |  |  |  |  |  |  | 78.769% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 783 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1788.30 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1788.30 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29000.00 | No |  | $247.03 | $88.41 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 778 | Fair Isaac (VER. 2) | 784 | FICO Classic V5 Facta | 777 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 | 12/xx/2025 | $xxx | 1 | 1957 | xxx | 3 | 1.1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 78.596% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 786 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1700.00 | 1004/70 | $1700.00 | Third Party Rental Source | $1554.22 |  | 0.000000 | 0.91 |  |  | 1.09 | 1.09 | $1554.22 |  |  | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $393.58 | $135.83 | Level 1-Not Stated/Not Verified | No | 1 | 7 | No |  |  | Experienced Investor |  |  |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 9 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 756 | Fair Isaac (VER. 2) | 705 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 | 12/xx/2025 | $xxx | 1 | 1976 | xxx | 3 | 2 | C3 | $xxx | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 634 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $4650.00 | 1025/72 | $4650.00 | Third Party Rental Source | $4376.98 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $4376.98 |  |  | No |  |  |  | Long Term |  | $2650.00 | No |  |  |  | Long Term |  | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $58970.00 | No |  | $513.21 | $161.75 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 786 | FICO II | 796 | Beacon 5 | 765 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 | 9/xx/2025 | $xxx | 2 | 1857 | xxx | 3 | 2 | Average | $xxx | $0.00 |  |  |  |  |  |  |  | 78.824% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 760 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1915.00 | 1004/70 | $1915.00 | Third Party Rental Source | $1564.65 |  | 0.000000 | 0.82 |  |  | 1.22 | 1.22 | $1564.65 |  |  | No |  |  |  | Long Term |  | $1915.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $282.42 | $70.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.24 |  |  | 668 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | LLC | Business Entity |  |  | xxx |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 90.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 692 | Fair Isaac (VER. 2) | 658 | FICO Classic V5 Facta | 668 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2024 | xxx | 4 | 2 | C1 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 686 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $6450.00 | $6250.00 | 1025/72 | $6250.00 | Third Party Rental Source | $5729.88 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $5729.88 |  |  | Yes | 7/xx/2025 | 7/xx/2026 | 12 | Long Term | $3500.00 | $3700.00 | Yes | 10/xx/2025 | 10/xx/2026 | 12 | Long Term | $2950.00 | $2550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  | $439.56 | $364.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 7.73 |  |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 779 | FICO II | 787 | Beacon 5 | 784 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 2 | 1899 | xxx | 4 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 45.977% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 738 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2300.00 | 1004/70 | $2300.00 | Third Party Rental Source | $2070.68 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $2070.68 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $41000.00 | No |  | $332.03 | $205.94 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.92 |  |  | 728 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 75.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 709 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 742 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 2011 | xxx | 4 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 677 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1788.12 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $1788.12 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | No |  | $266.72 | $214.25 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 767 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 767 | FICO II | 768 | Beacon 5 | 754 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 9/xx/2025 | $xxx | 1 | 1987 | xxx | 3 | 1.1 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 68.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 639 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $5000.00 | $4050.00 | 1004/70 | $5000.00 | Rent on Existing Lease | $4818.92 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $4818.92 |  |  | Yes | 1/xx/2026 | 1/xx/2027 | 12 | Long Term | $5000.00 | $4050.00 | No |  |  |  | Long Term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $119000.00 | No |  | $705.32 | $147.25 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  | 773 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 772 | FICO II | 782 | Beacon 5 | 773 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 | 10/xx/2025 | $xxx | 1 | 1952 | xxx | 4 | 2 | C4 | $xxx | $0.00 |  |  |  |  |  |  |  | 85.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 717 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5800.00 | 1025/72 | $5800.00 | Third Party Rental Source | $4832.62 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $4832.62 |  |  | No |  |  |  | Long Term |  | $2800.00 | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $12.00 | No |  | $744.51 | $136.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse |  | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 | 9/xx/2025 | $xxx | 2 | 1930 | xxx | 8 | 3 | Average | $xxx | $0.00 |  |  |  |  |  |  |  | 85.000% | $xxx |  |  | xx% |  |  | xx% |  |  |  |  |  |  |  |  |
| 694 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1925.00 | 1004/70 | $1925.00 | Third Party Rental Source | $1798.16 |  | 0.000000 | 0.93 |  |  | 1.07 | 1.07 | $1798.16 |  |  | No |  |  |  | Long Term |  | $1925.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29500.00 | No |  | $171.87 | $105.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 1.29 | US Citizen |  | 714 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 714 | Fair Isaac (VER. 2) | 738 | FICO Classic V5 Facta | 714 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1917 | xxx | 3 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 787 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $2150.00 | $1900.00 | 1004/70 | $2150.00 | Rent on Existing Lease | $1945.23 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $1945.23 |  |  | Yes | 11/xx/2025 | 12/xx/2025 | 1 | Long Term | $2150.00 | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $70.00 | $159.22 | $88.08 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 0.23 | US Citizen |  | 662 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 672 | Fair Isaac (VER. 2) | 662 | FICO Classic V5 Facta | 645 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2005 | xxx | 3 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 74.919% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 636 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1850.00 | 1004/70 | $1850.00 | Third Party Rental Source | $1594.68 |  | 0.000000 | 0.86 |  |  | 1.16 | 1.16 | $1594.68 |  |  | No |  |  |  | Long Term |  | $1850.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26000.00 | No |  | $288.94 | $122.33 | Level 3-Stated/Partially Verified | No | 1 | 5 | No |  |  | Experienced Investor | 0.22 |  |  | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 727 | Fair Isaac (VER. 2) | 768 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1978 | xxx | 3 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 695 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $1975.00 | $2425.00 | 1004/70 | $2425.00 | Third Party Rental Source | $1286.91 |  | 0.000000 | 0.53 |  |  | 1.88 | 1.88 | $1286.91 |  |  | Yes | 10/xx/2025 | 10/xx/2026 | 12 | Long Term | $1975.00 | $2425.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30300.00 | No |  | $118.82 | $68.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 0.53 | US Citizen |  | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 749 | Fair Isaac (VER. 2) | 774 | FICO Classic V5 Facta | 779 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1970 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 625 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3150.00 | 1004/70 | $3150.00 | Third Party Rental Source | $2032.08 |  | 0.000000 | 0.65 |  |  | 1.55 | 1.55 | $2032.08 |  |  | No |  |  |  | Long Term |  | $3150.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $33800.00 | No |  | $382.78 | $160.58 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.35 |  |  | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 759 | Fair Isaac (VER. 2) | 803 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/xx/2025 |  | $xxx | 1 | 2002 | xxx | 4 | 2.1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 624 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $4800.00 | 1025/72 | $4800.00 | Third Party Rental Source | $4413.54 |  | 0.000000 | 0.92 |  |  | 1.09 | 1.09 | $4413.54 |  |  | No |  |  |  | Long Term |  | $2400.00 | No |  |  |  | Long Term |  | $2400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $85440.00 | No |  | $462.40 | $276.75 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.40 |  |  | 780 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 51.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 744 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 780 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/xx/2025 |  | $xxx | 2 | 1913 | xxx | 6 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 670 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $1300.00 | $4300.00 | 1004/70 | $4300.00 | Third Party Rental Source | $4163.23 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $4163.23 |  |  | Yes | 10/xx/2025 | 10/xx/2026 | 13 | Long Term | $1300.00 | $2700.00 | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $43200.00 | No |  | $636.03 | $215.67 | Level 1-Not Stated/Not Verified | No | 1 | 12 | No |  |  | Experienced Investor | 0.51 |  |  | 765 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 765 | Fair Isaac (VER. 2) | 769 | FICO Classic V5 Facta | 744 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1969 | xxx | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 739 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1895.00 | 1004/70 | $1895.00 | Third Party Rental Source | $1887.81 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $1887.81 |  |  | No |  |  |  | Long Term |  | $1895.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $34.00 | $246.47 | $68.25 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.12 |  |  | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 700 | Fair Isaac (VER. 2) | 710 | FICO Classic V5 Facta | 723 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2004 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 73.788% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 662 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $6750.00 | 1025/72 | $6750.00 | Third Party Rental Source | $4917.09 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $4917.09 |  |  | No |  |  |  | Long Term |  | $2700.00 | No |  |  |  | Long Term |  | $2600.00 | No |  |  |  | Long Term |  | $1450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $225.61 | $315.00 | Level 1-Not Stated/Not Verified | No | 1 | 4 | No |  |  | Experienced Investor | 0.42 |  |  | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 720 | FICO II | 746 | Beacon 5 | 767 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 3 | 1907 | xxx | 7 | 3 | Average |  | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 761 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3800.00 | 1004/70 | $3800.00 | Third Party Rental Source | $3460.35 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $3460.35 |  |  | No |  |  |  | Long Term |  | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $144230.00 | No |  | $544.58 | $173.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 2.42 |  |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 40.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 789 | Fair Isaac (VER. 2) | 754 | FICO Classic V5 Facta | 759 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2025 | xxx | 2 | 2 | C1 |  | $0.00 |  |  |  |  |  |  |  | 51.538% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 704 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $2500.00 | $2500.00 | 1004/70 | $2500.00 | Rent on Existing Lease | $2481.54 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2481.54 |  |  | Yes |  |  |  | Long Term | $2500.00 | $2500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | Yes | $12.50 | $294.84 | $182.25 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor | 0.46 |  |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 767 | FICO II | 718 | Beacon 5 | 748 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 2020 | xxx | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 734 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $1825.00 | $1850.00 | 1025/72 | $1850.00 | Third Party Rental Source | $1298.37 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | $1298.37 |  |  | Yes |  | 7/xx/2026 |  | Long Term | $925.00 | $925.00 | Yes |  | 12/xx/2025 |  | Long Term | $900.00 | $925.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26920.00 | No |  | $104.41 | $197.58 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 0.08 |  |  | 712 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 708 | Fair Isaac (VER. 2) | 712 | FICO Classic V5 Facta | 725 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 2 | 1926 | xxx | 4 | 2 | Average |  | $0.00 |  |  |  |  |  |  |  | 57.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 774 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $4850.00 | $4900.00 | 1025/72 | $4900.00 | Third Party Rental Source | $3918.78 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $3918.78 |  |  | Yes | 2/xx/2026 | 2/xx/2027 | 12 | Long Term | $2550.00 | $2600.00 | Yes | 2/xx/2026 | 2/xx/2027 | 12 | Long Term | $2300.00 | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22400.00 | No |  | $435.48 | $198.92 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 1.15 |  |  | 727 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 25.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 2/xx/2026 | 742 | Fair Isaac (VER. 2) | 727 | FICO Classic V5 Facta | 715 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 2 | 1928 | xxx | 5 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 71.691% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 696 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $2300.00 | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $2076.70 |  | 0.000000 | 0.94 |  |  | 1.06 | 1.06 | $2076.70 |  |  | Yes | 8/xx/2025 | 8/xx/2026 | 12 | Long Term | $2300.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $328.43 | $284.75 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 0.48 |  |  | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 691 | Fair Isaac (VER. 2) | 702 | FICO Classic V5 Facta | 707 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1969 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 791 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $2850.00 | $1995.00 | 1004/70 | $2850.00 | Rent on Existing Lease | $2365.47 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $2365.47 |  |  | Yes | 3/xx/2026 | 3/xx/2027 | 12 | Long Term | $2850.00 | $1995.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $409.69 | $89.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.68 |  |  | 747 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 703 | FICO II | 750 | Beacon 5 | 747 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1920 | xxx | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 82.192% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 728 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3000.00 | 1025/72 | $3000.00 | Third Party Rental Source | $2200.46 |  | 0.000000 | 0.73 |  |  | 1.36 | 1.36 | $2200.46 |  |  | No |  |  |  | Long Term |  | $1400.00 | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $400.49 | $195.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 0.45 |  |  | 770 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 76.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 767 | Fair Isaac (VER. 2) | 770 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 2 | 1920 | xxx | 7 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 809 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2550.00 | 1004/70 | $2550.00 | Third Party Rental Source | $1940.95 |  | 0.000000 | 0.76 |  |  | 1.31 | 1.31 | $1940.95 |  |  | No |  |  |  | Long Term |  | $2550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27800.00 | No |  | $216.28 | $148.55 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.20 |  |  | 680 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 662 | Fair Isaac (VER. 2) | 680 | FICO Classic V5 Facta | 688 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1955 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 755 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $4000.00 | $4000.00 | 1073/465 | $4000.00 | Rent on Existing Lease | $3876.63 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $3876.63 |  |  | Yes | 11/xx/2025 | 4/xx/2026 | 5 | Long Term | $4000.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $20000.00 | Yes | $417.00 | $560.09 | $66.00 | Level 4-Stated/Verified as defined | No | 1 | 12 | No |  |  | Experienced Investor | 0.22 |  |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 754 | Fair Isaac (VER. 2) | 791 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2021 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 691 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $2950.00 | $2200.00 | 1004/70 | $2950.00 | Rent on Existing Lease | $2462.88 |  | 0.000000 | 0.83 |  |  | 1.20 | 1.2 | $2462.88 |  |  | Yes | 1/xx/2026 | 12/xx/2026 | 11 | Long Term | $2950.00 | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $414.47 | $169.77 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | First-Time Investor | 0.37 |  |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 701 | FICO II | 692 | Beacon 5 | 703 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1965 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 657 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1375.00 | 1004/70 | $1375.00 | Third Party Rental Source | $1079.25 |  | 0.000000 | 0.78 |  |  | 1.27 | 1.27 | $1079.25 |  |  | No |  |  |  | Long Term |  | $1375.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $95.46 | $81.80 | Level 4-Stated/Verified as defined | No | 1 | 7 | No |  |  | Experienced Investor | 0.38 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 788 | Fair Isaac (VER. 2) | 771 | FICO Classic V5 Facta | 778 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1964 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 707 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $8400.00 | 1025/72 | $8400.00 | Third Party Rental Source | $6355.68 |  | 0.000000 | 0.76 |  |  | 1.32 | 1.32 | $6355.68 |  |  | No |  |  |  | Long Term |  | $3200.00 | No |  |  |  | Long Term |  | $3000.00 | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $1042.66 | $290.10 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | First-Time Investor | 2.94 |  |  | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 766 | FICO II | 735 | Beacon 5 | 740 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 3 | 1898 | xxx | 7 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 632 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $8300.00 | $10000.00 | 1025/72 | $10000.00 | Third Party Rental Source | $6645.25 |  | 0.000000 | 0.66 |  |  | 1.50 | 1.5 | $6645.25 |  |  | Yes | 6/xx/2024 | 6/xx/2026 | 25 | Long Term | $1700.00 | $2000.00 | Yes | 4/xx/2024 | 5/xx/2026 | 26 | Long Term | $1700.00 | $2000.00 | Yes | 12/xx/2024 | 11/xx/2025 | 12 | Long Term | $2750.00 | $3000.00 | Yes | 5/xx/2024 | 5/xx/2026 | 24 | Long Term | $2150.00 | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $1353.07 | $163.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 10.67 | US Citizen |  | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 9/xx/2025 | 702 | Fair Isaac (VER. 2) | 700 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/xx/2025 |  | $xxx | 4 | 1930 | xxx | 8 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 628 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2750.00 | 1004/70 | $2750.00 | Third Party Rental Source | $1734.70 |  | 0.000000 | 0.63 |  |  | 1.59 | 1.59 | $1734.70 |  |  | No |  |  |  | Long Term |  | $2750.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28300.00 | No |  | $281.91 | $155.58 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.26 |  |  | 700 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 719 | Fair Isaac (VER. 2) | 664 | FICO Classic V5 Facta | 700 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 1 | 1918 | xxx | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 621 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $1600.00 | $1600.00 | 1004/70 | $1600.00 | Rent on Existing Lease | $1199.64 |  | 0.000000 | 0.75 |  |  | 1.33 | 1.33 | $1199.64 |  |  | Yes |  |  |  | Long Term | $1600.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $59.73 | $120.95 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.19 |  |  | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 751 | FICO II | 732 | Beacon 5 | 711 | FICO Risk Score Classic 04 | 3 | xxx | xxx | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 635 | FICO II | 659 | Beacon 5 | 662 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8/xx/2025 |  | $xxx | 1 | 1914 | xxx | 4 | 1.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 777 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2700.00 | 1004/70 | $2700.00 | Third Party Rental Source | $2304.41 |  | 0.000000 | 0.85 |  |  | 1.17 | 1.17 | $2304.41 |  |  | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $84200.00 | No |  | $516.37 | $130.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.04 |  |  | 762 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 760 | Fair Isaac (VER. 2) | 766 | FICO Classic V5 Facta | 762 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1930 | xxx | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 705 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $6400.00 | 1025/72 | $6400.00 | Third Party Rental Source | $6176.63 |  | 0.000000 | 0.97 |  |  | 1.04 | 1.04 | $6176.63 |  |  | No |  |  |  | Long Term |  | $2600.00 | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $1028.99 | $303.83 | Level 3-Stated/Partially Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.51 |  |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 757 | FICO II | 756 | Beacon 5 | 743 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 3 | 1935 | xxx | 6 | 3 | C2 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 758 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5200.00 | 1025/72 | $5200.00 | Third Party Rental Source | $5191.06 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $5191.06 |  |  | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $60231.00 | No |  | $1022.00 | $205.42 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor |  |  |  | 683 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 618 | FICO II | 618 | Beacon 5 | 625 | FICO Risk Score Classic 04 | 3 | xxx | xxx | 50.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 683 | FICO II | 682 | Beacon 5 | 719 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 4 | 1954 | xxx | 8 | 4 | Good |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 743 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1550.00 | 1004/70 | $1550.00 | Third Party Rental Source | $1355.38 |  | 0.000000 | 0.87 |  |  | 1.14 | 1.14 | $1355.38 |  |  | No |  |  |  | Long Term |  | $1550.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $168.75 | $109.18 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.56 |  |  | 791 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 791 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 795 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1963 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 647 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $8200.00 | $7000.00 | 1025/72 | $7000.00 | Third Party Rental Source | $7365.94 |  | 0.000000 | 1.05 |  |  | 0.95 | 0.95 | $7365.94 |  |  | Yes | 12/xx/2025 | 11/xx/2026 | 12 | Long Term | $4200.00 | $3500.00 | Yes | 12/xx/2025 | 11/xx/2026 | 12 | Long Term | $4000.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $72200.00 | No |  | $741.07 | $126.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 1.60 | US Citizen |  | 711 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 9/xx/2025 | 711 | Fair Isaac (VER. 2) | 748 | Beacon 5 | 710 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 2 | 2025 | xxx | 8 | 4 | C1 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 784 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1950.00 | 1004/70 | $1950.00 | Third Party Rental Source | $1403.37 |  | 0.000000 | 0.72 |  |  | 1.39 | 1.39 | $1403.37 |  |  | No |  |  |  | Long Term |  | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $17600.00 | No |  | $85.77 | $115.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 0.89 |  |  | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 76.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 746 | Fair Isaac (VER. 2) | 741 | FICO Classic V5 Facta | 757 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1885 | xxx | 3 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 745 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3450.00 | 1004/70 | $3450.00 | Third Party Rental Source | $2734.23 |  | 0.000000 | 0.79 |  |  | 1.26 | 1.26 | $2734.23 |  |  | No |  |  |  | Long Term |  | $3450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $449.52 | $190.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 1.05 |  |  | 793 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 1 | Permanent Resident Alien |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 659 | Fair Isaac (VER. 2) | 695 | FICO Classic V5 Facta | 674 | FICO Risk Score Classic 04 | 3 | xxx | xxx | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 793 | Fair Isaac (VER. 2) | 795 | FICO Classic V5 Facta | 750 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1897 | xxx | 3 | 3 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 650 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $1750.00 | $1250.00 | 1004/70 | $1750.00 | Rent on Existing Lease | $1552.44 |  | 0.000000 | 0.89 |  |  | 1.13 | 1.13 | $1552.44 |  |  | Yes | 12/xx/2025 | 12/xx/2026 | 12 | Long Term | $1750.00 | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22500.00 | No |  | $117.28 | $81.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | Experienced Investor | 0.60 | US Citizen |  | 747 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/xx/2025 | 717 | Fair Isaac (VER. 2) | 762 | FICO Classic V5 Facta | 747 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 1 | 1940 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 679 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term |  | $2100.00 | 1025/72 | $2100.00 | Third Party Rental Source | $1446.48 |  | 0.000000 | 0.69 |  |  | 1.45 | 1.45 | $1446.48 |  |  | Yes | 10/xx/2025 | 10/xx/2026 | 12 | Long Term |  | $1100.00 | Yes | 9/xx/2025 | 8/xx/2026 | 12 | Long Term |  | $1000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $25000.00 | No |  | $130.59 | $172.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.64 |  |  | 777 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 777 | Fair Isaac (VER. 2) | 768 | FICO Classic V5 Facta | 790 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 2 | 1901 | xxx | 5 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 656 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2600.00 | 1025/72 | $2600.00 | Third Party Rental Source | $2073.32 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $2073.32 |  |  | No |  |  |  | Long Term |  | $1300.00 | No |  |  |  | Long Term |  | $1300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $26400.00 | No |  | $148.34 | $220.64 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.66 |  |  | 704 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 19.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 704 | Fair Isaac (VER. 2) | 724 | Beacon 5 | 682 | FICO Risk Score Classic 04 | 3 | xxx | xxx | 81.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 697 | Fair Isaac (VER. 2) | 703 | Beacon 5 | 697 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 2 | 1923 | xxx | 5 | 2 | Good |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 672 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Short Term |  | $9040.00 | 1004/70 | $7232.00 | Multiple Sources | $3420.11 |  | 0.000000 | 0.47 |  |  | 2.11 | 2.11 | $3420.11 |  |  | No |  |  |  | Short Term |  | $9040.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $113300.00 | No |  | $754.85 | $232.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  | No | Experienced Investor | 9.67 |  | US Citizen | 809 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  | Individually and as Trustee |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 792 | Fair Isaac (VER. 2) | 809 | FICO Classic V5 Facta | 809 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 2018 | xxx | 3 | 2.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 27.143% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 757 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1900.00 | 1004/70 | $1900.00 | Third Party Rental Source | $1734.19 |  | 0.000000 | 0.91 |  |  | 1.10 | 1.1 | $1734.19 |  |  | No |  |  |  | Long Term |  | $1900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $31000.00 | No |  | $66.93 | $631.25 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.30 |  |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 81.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 709 | Fair Isaac (VER. 2) | 750 | FICO Classic V5 Facta | 722 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1996 | xxx | 4 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 65.217% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 811 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $1800.00 | $1700.00 | 1004/70 | $1700.00 | Third Party Rental Source | $1612.61 |  | 0.000000 | 0.95 |  |  | 1.05 | 1.05 | $1612.61 |  |  | Yes | 4/xx/2025 | 5/xx/2026 | 12 | Long Term | $1800.00 | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $28400.00 | No |  | $72.55 | $96.50 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 1.11 |  |  | 693 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 688 | Fair Isaac (VER. 2) | 700 | FICO Classic V5 Facta | 693 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1961 | xxx | 2 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 763 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $4450.00 | $3700.00 | 1025/72 | $4600.00 | Multiple Sources | $4425.14 |  | 0.000000 | 0.96 |  |  | 1.04 | 1.04 | $4425.14 |  |  | Yes | 12/xx/2025 | 12/xx/2026 | 12 | Long Term | $2600.00 | $1700.00 | Yes | 11/xx/2025 | 11/xx/2026 | 12 | Long Term | $1850.00 | $2000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $22500.00 | No |  | $730.45 | $457.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 24.05 |  |  | 748 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 748 | Fair Isaac (VER. 2) | 792 | FICO Classic V5 Facta | 711 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 2 | 1952 | xxx | 4 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 72.108% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 720 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1810.00 | 1004/70 | $1810.00 | Third Party Rental Source | $1587.96 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $1587.96 |  |  | No |  |  |  | Long Term |  | $1810.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $38.11 | $149.67 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 0.19 |  |  | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 699 | Fair Isaac (VER. 2) | 710 | FICO Classic V5 Facta | 716 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1942 | xxx | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 754 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $6055.00 | $6000.00 | 1025/72 | $6000.00 | Third Party Rental Source | $5257.65 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $5257.65 |  |  | Yes | 7/xx/2025 | 6/xx/2026 | 12 | Long Term | $2280.00 | $2200.00 | Yes | 11/xx/2024 | 10/xx/2025 | 11 | Long Term | $2275.00 | $2200.00 | Yes | 12/xx/2025 | 11/xx/2026 | 12 | Long Term | $1500.00 | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $1041.48 | $324.58 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 2.82 |  |  | 750 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 750 | FICO II | 717 | Beacon 5 | 774 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 3 | 1915 | xxx | 7 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 687 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3750.00 | 1025/72 | $3750.00 | Third Party Rental Source | $2639.59 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | $2639.59 |  |  | No |  |  |  | Long Term |  | $1250.00 | No |  |  |  | Long Term |  | $1250.00 | No |  |  |  | Long Term |  | $1250.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $408.05 | $260.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 0.14 | US Citizen |  | 740 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 740 | Fair Isaac (VER. 2) | 752 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 3 | 1880 | xxx | 5 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 780 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $2500.00 | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1559.17 |  | 0.000000 | 0.74 |  |  | 1.35 | 1.35 | $1559.17 |  |  | Yes | 1/xx/2025 | 1/xx/2027 | 24 | Long Term | $2500.00 | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $47230.00 | No |  | $193.92 | $214.08 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.47 |  |  | 735 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 75.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 748 | Fair Isaac (VER. 2) | 702 | FICO Classic V8 Facta | 735 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1900 | xxx | 5 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  | xx% | $xxx |  |  |  |  |  |  |  |  |  |  |
| 731 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes |  |  |  |  |  |  |  | $2215.43 |  | 0.482611 |  |  |  |  |  | $2215.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $56.00 | $540.11 | $72.21 | Level 3-Stated/Partially Verified |  |  |  | No | No | No |  |  | US Citizen | Non-Permanent Resident Alien | 723 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Individual | Individual | Employed | xxx | xxx | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | 10/xx/2025 | 723 | Fair Isaac (VER. 2) | 714 | Beacon 5 | 739 | FICO Risk Score Classic 04 | Individual | Individual | Employed | xxx | xxx | 1 | Non-Permanent Resident Alien | VISA | xxx | Level 1-Not Stated/Not Verified | 10/xx/2025 | 728 | Fair Isaac (VER. 2) | 703 | Beacon 5 | 717 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2022 | xxx | 3 | 2 | C2 | $xxx |  | $16251.66 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 823 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 1/xx/2000 | Yes | Yes | Long Term | $7300.00 | $8950.00 | 1004/70 | $7300.00 | Rent on Existing Lease | $7891.82 |  | 0.000000 | 1.08 |  |  | 0.93 | 0.93 | $7891.82 |  |  | Yes | 10/xx/2025 | 10/xx/2026 | 12 | Long Term | $5500.00 | $7000.00 | Yes | 10/xx/2025 | 10/xx/2026 | 12 | Long Term | $1800.00 | $1950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $1246.52 | $118.42 | Level 4-Stated/Verified as defined | No | 1 | 3 | No | No |  | Experienced Investor | 8.58 | US Citizen |  | 764 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/xx/2025 | 756 | Fair Isaac (VER. 2) | 774 | FICO Classic V5 Facta | 764 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 1 | 1946 | xxx | 6 | 3.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 768 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1827.21 |  | 0.000000 | 0.87 |  |  | 1.15 | 1.15 | $1827.21 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $153.92 | $139.99 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No | No | Experienced Investor | 0.54 | US Citizen | US Citizen | 672 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 657 | Fair Isaac (VER. 2) | 652 | FICO Classic V5 Facta | 650 | FICO Risk Score Classic 04 | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 665 | Fair Isaac (VER. 2) | 672 | FICO Classic V5 Facta | 686 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1954 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 63.429% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 710 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2800.00 | 1004/70 | $2800.00 | Third Party Rental Source | $1915.44 |  | 0.000000 | 0.68 |  |  | 1.46 | 1.46 | $1915.44 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $399.30 | $115.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 7.82 | US Citizen |  | 746 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 746 | Fair Isaac (VER. 2) | 728 | FICO Classic V5 Facta | 784 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1990 | xxx | 1 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 60.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 684 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $9500.00 | $9500.00 | 1025/72 | $9500.00 | Rent on Existing Lease | $6688.52 |  | 0.000000 | 0.7 |  |  | 1.42 | 1.42 | $6688.52 |  |  | Yes |  |  |  | Long Term | $3000.00 | $3000.00 | Yes |  |  |  | Long Term | $3000.00 | $3000.00 | Yes |  |  |  | Long Term | $3500.00 | $3500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $100000.00 | No |  | $659.42 | $333.72 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 59.44 |  |  | 784 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 779 | FICO II | 787 | Beacon 5 | 784 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 3 | 1906 | xxx | 8 | 3 | Average |  | $0.00 |  |  |  |  |  |  |  | 49.731% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 642 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1800.00 | 1004/70 | $1800.00 | Third Party Rental Source | $1401.88 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $1401.88 |  |  | No |  |  |  | Long Term |  | $1800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $261.82 | $191.96 | Level 4-Stated/Verified as defined | No | 1 | 1 | No | No |  | First-Time Investor | 4.87 | US Citizen |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 9/xx/2025 | 752 | Fair Isaac (VER. 2) | 767 | FICO Classic V5 Facta | 756 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 1 | 1965 | xxx | 2 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 63.025% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 736 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $1692.96 |  | 0.000000 | 0.77 |  |  | 1.30 | 1.3 | $1692.96 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $339.00 | $159.24 | Level 4-Stated/Verified as defined | No | 1 | 4 | No | No | No | Experienced Investor | 14.36 | US Citizen | US Citizen | 757 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 11/xx/2025 | 755 | Fair Isaac (VER. 2) | 670 | FICO Classic V5 Facta | 662 | FICO Risk Score Classic 04 | Individual | Individual |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 757 | Fair Isaac (VER. 2) | 766 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1952 | xxx | 3 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 60.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 752 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2450.00 | 1004/70 | $2450.00 | Third Party Rental Source | $2433.76 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2433.76 |  |  | No |  |  |  | Long Term |  | $2450.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $598.44 | $89.08 | Level 3-Stated/Partially Verified | No | 1 | 7 | No |  |  | Experienced Investor | 0.35 |  |  | 693 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 701 | Fair Isaac (VER. 2) | 653 | FICO Classic V5 Facta | 693 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1980 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 822 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1770.00 | 1004/70 | $1770.00 | Third Party Rental Source | $1490.63 |  | 0.000000 | 0.84 |  |  | 1.19 | 1.19 | $1490.63 |  |  | No |  |  |  | Long Term |  | $1770.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $175.80 | $165.20 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.42 |  |  | 752 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 752 | Fair Isaac (VER. 2) | 737 | FICO Classic V5 Facta | 752 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1981 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.850% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 766 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2066.00 | 1004/70 | $2066.00 | Third Party Rental Source | $1621.40 |  | 0.000000 | 0.78 |  |  | 1.27 | 1.27 | $1621.40 |  |  | No |  |  |  | Long Term |  | $2066.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $29940.00 | No |  | $333.73 | $81.58 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.28 |  |  | 697 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 716 | Fair Isaac (VER. 2) | 697 | FICO Classic V5 Facta | 670 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2006 | xxx | 4 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 627 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2100.00 | 1004/70 | $2100.00 | Third Party Rental Source | $1360.65 |  | 0.000000 | 0.65 |  |  | 1.54 | 1.54 | $1360.65 |  |  | No |  |  |  | Long Term |  | $2100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $260.59 | $114.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 0.32 |  |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 802 | FICO II | 761 | Beacon 5 | 786 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/xx/2025 |  | $xxx | 1 | 1910 | xxx | 3 | 1 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 654 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1400.00 | 1004/70 | $1400.00 | Third Party Rental Source | $1229.17 |  | 0.000000 | 0.88 |  |  | 1.14 | 1.14 | $1229.17 |  |  | No |  |  |  | Long Term |  | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $16800.00 | No |  | $131.70 | $101.09 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.26 |  |  | 778 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 760 | Fair Isaac (VER. 2) | 757 | FICO Classic V5 Facta | 765 | FICO Risk Score Classic 04 | 3 | xxx | xxx | 50.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 778 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 775 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 1 | 1960 | xxx | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 668 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2200.00 | 1004/70 | $2200.00 | Third Party Rental Source | $1714.91 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $1714.91 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $27130.00 | No |  | $282.42 | $108.92 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 1.54 |  |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 788 | Fair Isaac (VER. 2) | 772 | FICO Classic V5 Facta | 730 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 2025 | xxx | 3 | 2 | C1 |  | $0.00 |  |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 626 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $8000.00 | $7650.00 | 1004/70 | $7650.00 | Third Party Rental Source | $7429.51 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $7429.51 |  |  | Yes | 3/xx/2025 | 3/xx/2027 | 24 | Long Term | $8000.00 | $7650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $205430.00 | No |  | $1294.26 | $228.43 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.47 |  |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 749 | Fair Isaac (VER. 2) | 667 | FICO Classic V5 Facta | 754 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/xx/2025 |  | $xxx | 1 | 1940 | xxx | 7 | 4 | C3 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 635 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3400.00 | 1025/72 | $3400.00 | Third Party Rental Source | $2184.23 |  | 0.000000 | 0.64 |  |  | 1.56 | 1.56 | $2184.23 |  |  | No |  |  |  | Long Term |  | $1700.00 | No |  |  |  | Long Term |  | $1700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $47500.00 | No |  | $87.04 | $289.42 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 5.96 |  |  | 732 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 732 | Fair Isaac (VER. 2) | 756 | FICO Classic V5 Facta | 723 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 2 | 2025 | xxx | 6 | 4 | C1 |  | $0.00 |  |  |  |  |  |  |  | 48.270% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 622 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5200.00 | 1025/72 | $5200.00 | Third Party Rental Source | $5137.59 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $5137.59 |  |  | No |  |  |  | Long Term |  | $2200.00 | No |  |  |  | Long Term |  | $3000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $40000.00 | No |  | $627.15 | $231.25 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 5.88 |  |  | 749 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 721 | FICO II | 754 | Beacon 5 | 749 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8/xx/2025 |  | $xxx | 2 | 1910 | xxx | 7 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 85.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 646 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Short Term Vacation Rental (e.g., xx, xx, or xx) |  | $3942.00 | 1004/70 | $3153.60 | Multiple Sources | $2530.18 |  | 0.000000 | 0.8 |  |  | 1.25 | 1.25 | $2530.18 |  |  | No |  |  |  | Short Term Vacation Rental (e.g., xx, xx, or xx) |  | $3942.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $58.21 | $82.97 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.44 |  |  | 693 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 633 | Fair Isaac (VER. 2) | 734 | FICO Classic V5 Facta | 693 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 1 | 1976 | xxx | 3 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 674 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $3500.00 | $3200.00 | 1004/70 | $3200.00 | Third Party Rental Source | $3143.61 |  | 0.000000 | 0.98 |  |  | 1.02 | 1.02 | $3143.61 |  |  | Yes | 12/xx/2025 | 12/xx/2026 | 12 | Long Term | $3500.00 | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $49750.00 | No |  | $396.08 | $99.20 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | Experienced Investor | 4.35 |  |  | 685 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 669 | Fair Isaac (VER. 2) | 693 | FICO Classic V5 Facta | 685 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 1 | 1968 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 67.920% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 690 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Short Term |  | $8083.33 | 1004/70 | $6466.66 | Multiple Sources | $6464.53 |  | 0.000000 | 1 |  |  | 1.00 | 1 | $6464.53 |  |  | No |  |  |  | Short Term |  | $8083.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $23000.00 | No |  | $723.15 | $258.42 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 11.55 |  |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 769 | FICO II | 786 | Beacon 5 | 794 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1933 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 71.989% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 700 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3200.00 | 1004/70 | $3200.00 | Third Party Rental Source | $2154.63 |  | 0.000000 | 0.67 |  |  | 1.49 | 1.49 | $2154.63 |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $269.81 | $145.27 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.27 |  |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 701 | FICO II | 692 | Beacon 5 | 703 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1953 | xxx | 3 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 762 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3800.00 | 1004/70 | $3800.00 | Third Party Rental Source | $2767.51 |  | 0.000000 | 0.73 |  |  | 1.37 | 1.37 | $2767.51 |  |  | No |  |  |  | Long Term |  | $3800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $34300.00 | No |  | $158.53 | $114.35 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 0.73 |  |  | 701 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 4 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 695 | Fair Isaac (VER. 2) | 701 | FICO Classic V5 Facta | 718 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1948 | xxx | 5 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 73.099% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 667 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $8775.00 | 1004/70 | $8775.00 | Third Party Rental Source | $7505.21 |  | 0.000000 | 0.86 |  |  | 1.17 | 1.17 | $7505.21 |  |  | No |  |  |  | Long Term |  | $8775.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $1390.85 | $202.00 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.04 |  |  | 706 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 49.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 706 | FICO II | 679 | Beacon 5 | 706 | FICO Risk Score Classic 04 | 3 | xxx | xxx | 49.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 580 | FICO II | 684 | Beacon 5 | 683 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1979 | xxx | 3 | 3.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 45.181% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 773 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $11500.00 | $9000.00 | 1004/70 | $11500.00 | Rent on Existing Lease | $11193.53 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $11193.53 |  |  | Yes | 1/xx/2026 | 1/xx/2027 | 12 | Long Term | $11500.00 | $9000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $70000.00 | No |  | $2290.33 | $468.83 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 4.18 |  |  | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 95.00% | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 710 | Fair Isaac (VER. 2) | 690 | FICO Classic V5 Facta | 723 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2025 | xxx | 5 | 5.1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 680 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2900.00 | 1004/70 | $2900.00 | Third Party Rental Source | $2858.82 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $2858.82 |  |  | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $69600.00 | No |  | $286.33 | $171.42 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 3.95 |  |  | 641 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 51.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 641 | Fair Isaac (VER. 2) | 617 | FICO Classic V5 Facta | 669 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 2025 | xxx | 3 | 2.1 | C1 |  | $0.00 |  |  |  |  |  |  |  | 73.100% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 715 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1650.00 | 1004/70 | $1650.00 | Third Party Rental Source | $1085.29 |  | 0.000000 | 0.66 |  |  | 1.52 | 1.52 | $1085.29 |  |  | No |  |  |  | Long Term |  | $1650.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $126.67 | $72.83 | Level 4-Stated/Verified as defined | No | 1 | 5 | No |  |  | Experienced Investor | 0.45 |  |  | 800 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 25.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 800 | Fair Isaac (VER. 2) | 799 | FICO Classic V5 Facta | 802 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1940 | xxx | 2 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 824 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Short Term |  | $8133.33 | 1004/70 | $6506.66 | Multiple Sources | $4077.86 |  | 0.000000 | 0.63 |  |  | 1.60 | 1.6 | $4077.86 |  |  | No |  |  |  | Short Term |  | $8133.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $80000.00 | No |  | $542.99 | $1057.52 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 1.71 |  |  | 759 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 55.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 9/xx/2025 | 759 | Fair Isaac (VER. 2) | 760 | FICO Classic V5 Facta | 750 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2023 | xxx | 4 | 4.1 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 661 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3200.00 | 1025/72 | $2800.00 | Multiple Sources | $1857.46 |  | 0.000000 | 0.66 |  |  | 1.51 | 1.51 | $1857.46 |  |  | No |  |  |  | Long Term |  | $1600.00 | No |  |  |  | Long Term |  | $1600.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $33200.00 | No |  | $74.76 | $125.08 | Level 4-Stated/Verified as defined | No | 1 | 3 | No |  |  | Experienced Investor | 0.47 |  |  | 758 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 759 | Fair Isaac (VER. 2) | 758 | FICO Classic V5 Facta | 757 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 2 | 2020 | xxx | 2 | 2 | Good |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 643 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $4400.00 | $4000.00 | 1004/70 | $4400.00 | Rent on Existing Lease | $4356.28 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $4356.28 |  |  | Yes | 10/xx/2025 | 4/xx/2029 | 42 | Long Term | $4400.00 | $4000.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $37100.00 | No |  | $412.95 | $136.33 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | Experienced Investor | 1.13 |  |  | 717 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 697 | Fair Isaac (VER. 2) | 717 | FICO Classic V5 Facta | 745 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1949 | xxx | 2 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 78.743% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 764 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5600.00 | 1025/72 | $5600.00 | Third Party Rental Source | $3853.10 |  | 0.000000 | 0.69 |  |  | 1.45 | 1.45 | $3853.10 |  |  | No |  |  |  | Long Term |  | $2400.00 | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $808.72 | $135.00 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 6.35 |  |  | 736 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Corp | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 735 | FICO II | 736 | Beacon 5 | 737 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 2 | 1910 | xxx | 7 | 3 | Average |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 748 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $4950.00 | 1004/70 | $4950.00 | Third Party Rental Source | $4920.98 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $4920.98 |  |  | No |  |  |  | Long Term |  | $4950.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $10000.00 | No |  | $1138.01 | $410.73 | Level 4-Stated/Verified as defined | No | 1 | 12 | No |  |  | Experienced Investor | 0.25 |  |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 50.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 710 | Fair Isaac (VER. 2) | 764 | FICO Classic V5 Facta | 769 | FICO Risk Score Classic 04 | 3 | xxx | xxx | 50.00% | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 783 | Fair Isaac (VER. 2) | 791 | FICO Classic V5 Facta | 773 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1956 | xxx | 5 | 3 | C3 |  | $0.00 |  |  |  |  |  |  |  | 74.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 788 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1400.00 | 1004/70 | $1400.00 | Third Party Rental Source | $1014.69 |  | 0.000000 | 0.72 |  |  | 1.38 | 1.38 | $1014.69 |  |  | No |  |  |  | Long Term |  | $1400.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $18000.00 | No |  | $60.19 | $87.03 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.23 |  |  | 779 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 778 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 779 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1952 | xxx | 3 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 80.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 664 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $5800.00 | 1025/72 | $5800.00 | Third Party Rental Source | $4534.71 |  | 0.000000 | 0.78 |  |  | 1.28 | 1.28 | $4534.71 |  |  | No |  |  |  | Long Term |  | $2900.00 | No |  |  |  | Long Term |  | $2900.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $93574.00 | No |  | $417.00 | $226.08 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | First-Time Investor | 20.62 |  |  | 783 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 2 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 783 | Fair Isaac (VER. 2) | 793 | FICO Classic V5 Facta | 772 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 2 | 1899 | xxx | 5 | 2 | Average |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 770 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1875.00 | 1004/70 | $1875.00 | Third Party Rental Source | $1692.31 |  | 0.000000 | 0.9 |  |  | 1.11 | 1.11 | $1692.31 |  |  | No |  |  |  | Long Term |  | $1875.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $32436.00 | Yes | $16.67 | $370.51 | $120.00 | Level 1-Not Stated/Not Verified | No | 1 | 1 | No |  |  | Experienced Investor | 0.10 |  |  | 707 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  | Trust | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 12/xx/2025 | 715 | FICO II | 683 | Beacon 5 | 707 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 2012 | xxx | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 716 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2800.00 | 1004/70 | $2800.00 | Third Party Rental Source | $2035.98 |  | 0.000000 | 0.73 |  |  | 1.38 | 1.38 | $2035.98 |  |  | No |  |  |  | Long Term |  | $2800.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $129.13 | $95.75 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 3.17 |  |  | 722 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 95.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 11/xx/2025 | 731 | Fair Isaac (VER. 2) | 722 | FICO Classic V5 Facta | 700 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1979 | xxx | 3 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 699 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2700.00 | 1004/70 | $2700.00 | Third Party Rental Source | $1811.59 |  | 0.000000 | 0.67 |  |  | 1.49 | 1.49 | $1811.59 |  |  | No |  |  |  | Long Term |  | $2700.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $194.63 | $90.92 | Level 4-Stated/Verified as defined | No | 1 | 6 | No |  |  | Experienced Investor | 0.24 |  |  | 786 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 6 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 761 | Fair Isaac (VER. 2) | 786 | Beacon 5 | 797 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1900 | xxx | 4 | 1.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 765 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2200.00 | 1073/465 | $2200.00 | Third Party Rental Source | $2462.36 |  | 0.000000 | 1.12 |  |  | 0.89 | 0.89 | $2462.36 |  |  | No |  |  |  | Long Term |  | $2200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $4000.00 | Yes | $607.00 | $498.17 | $59.99 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  | No | Experienced Investor | 0.75 |  | US Citizen | 816 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Trust | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  | Individually and as Trustee |  | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 10/xx/2025 | 821 | Fair Isaac (VER. 2) | 816 | FICO Classic V5 Facta | 784 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1974 | xxx | 1 | 1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 52.632% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 820 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1895.00 | 1004/70 | $1895.00 | Third Party Rental Source | $2233.57 |  | 0.000000 | 1.18 |  |  | 0.85 | 0.85 | $2233.57 |  |  | No |  |  |  | Long Term |  | $1895.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $30400.00 | Yes | $60.00 | $203.29 | $74.36 | Level 3-Stated/Partially Verified | No | 1 | 1 | No | No |  | Experienced Investor | 1.89 | US Citizen |  | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | 12/xx/2025 | 706 | Fair Isaac (VER. 2) | 702 | FICO Classic V5 Facta | 691 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1991 | xxx | 2 | 2 | C3 |  | $0.00 |  |  |  |  |  |  |  | 72.335% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 663 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $2300.00 | 1073/465 | $2300.00 | Third Party Rental Source | $1448.59 |  | 0.000000 | 0.63 |  |  | 1.59 | 1.59 | $1448.59 |  |  | No |  |  |  | Long Term |  | $2300.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $15000.00 | Yes | $170.00 | $94.13 | $127.17 | Level 4-Stated/Verified as defined | No | 1 | 2 | No |  |  | Experienced Investor | 1.93 |  |  | 682 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 1 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 10/xx/2025 | 682 | Fair Isaac (VER. 2) | 690 | FICO Classic V5 Facta | 658 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1971 | xxx | 2 | 2 | C4 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 815 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $1825.00 | 1004/70 | $1825.00 | Third Party Rental Source | $1628.98 |  | 0.000000 | 0.89 |  |  | 1.12 | 1.12 | $1628.98 |  |  | No |  |  |  | Long Term |  | $1825.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $21000.00 | No |  | $186.72 | $135.33 | Level 1-Not Stated/Not Verified | No | 1 | 2 | No |  |  | First-Time Investor | 1.59 |  |  | 774 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 51.00% | Full Recourse | 1 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 774 | Fair Isaac (VER. 2) | 786 | FICO Classic V5 Facta | 773 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1950 | xxx | 3 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 65.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 772 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | Yes | Long Term | $5100.00 | $4500.00 | 1004/70 | $5100.00 | Rent on Existing Lease | $4970.26 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $4970.26 |  |  | Yes | 3/xx/2026 | 2/xx/2027 | 12 | Long Term | $5100.00 | $4500.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | No |  | $691.09 | $264.62 | Level 4-Stated/Verified as defined | No | 1 | 4 | No |  |  | Experienced Investor | 1.17 |  |  | 702 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 92.00% | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 702 | Fair Isaac (VER. 2) | 718 | FICO Classic V5 Facta | 692 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1945 | xxx | 4 | 3 | C2 |  | $0.00 |  |  |  |  |  |  |  | 75.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 813 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $4100.00 | 1004/70 | $4100.00 | Third Party Rental Source | $4073.50 |  | 0.000000 | 0.99 |  |  | 1.01 | 1.01 | $4073.50 |  |  | No |  |  |  | Long Term |  | $4100.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $80000.00 | No |  | $561.40 | $234.50 | Level 4-Stated/Verified as defined | No | 1 | 2 | No | No |  | Experienced Investor | 9.72 | US Citizen |  | 682 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | Individual | Individual |  | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 1/xx/2026 | 682 | Fair Isaac (VER. 2) | 665 | FICO Classic V5 Facta | 704 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 2003 | xxx | 4 | 2.1 | C3 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  |  | $0.00 |  |  |  |  |  |  |  |  |  |  |
| 803 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes | No | Long Term |  | $3200.00 | 1004/70 | $3200.00 | Third Party Rental Source | $3101.17 |  | 0.000000 | 0.97 |  |  | 1.03 | 1.03 | $3101.17 |  |  | No |  |  |  | Long Term |  | $3200.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | No |  | $331.51 | $42.75 | Level 4-Stated/Verified as defined | No | 1 | 1 | No |  |  | First-Time Investor | 0.01 |  |  | 742 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | No | xxx | LLC | Business Entity |  |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 3 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Classic | 1/xx/2026 | 778 | Fair Isaac (VER. 2) | 742 | FICO Classic V5 Facta | 740 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1962 | xxx | 2 | 2 | C2 |  | $0.00 |  |  |  |  |  |  |  | 70.000% | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 631 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes |  |  |  |  |  |  |  | $3762.25 |  | 0.254439 |  |  |  |  |  | $3762.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $235.06 | $73.67 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.28 |  |  | 698 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | LLC | Business Entity | Unemployed |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 8 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 7/xx/2025 | 698 | Fair Isaac (VER. 2) | 699 | Beacon 5 | 666 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/xx/2025 |  | $xxx | 1 | 1912 | xxx | 2 | 1 | C3 |  |  | $208150.24 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 692 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes |  |  |  |  |  |  |  | $4412.17 |  | 0.364336 |  |  |  |  |  | $4412.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $911.23 | $478.67 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  |  |  |  | 716 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | LLC | Business Entity | Unemployed |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx | 100.00% | Full Recourse | 9 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 1/xx/2026 | 716 | FICO II | 738 | Beacon 5 | 694 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1969 | xxx | 3 | 3 | C3 | $xxx |  | $88573.73 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 678 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes |  |  |  |  |  |  |  | $1800.60 |  | 0.262313 |  |  |  |  |  | $1800.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $169.03 | $144.89 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  | 0.36 |  |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | LLC | Business Entity | Unemployed |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 11/xx/2025 | 751 | Fair Isaac (VER. 2) | 729 | FICO Classic V5 Facta | 728 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/xx/2025 |  | $xxx | 1 | 1981 | xxx | 3 | 2 | C3 |  |  | $16850.00 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 825 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes |  |  |  |  |  |  |  | $3854.11 |  | 0.200022 |  |  |  |  |  | $3854.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $368.49 | $227.25 | Level 3-Stated/Partially Verified |  |  |  | No |  |  |  | 0.28 |  |  | 729 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | LLC | Business Entity | Unemployed |  | xxx | 2 |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 2 | US Citizen |  |  | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 2-Stated/Not Verified | Classic | 10/xx/2025 | 739 | Fair Isaac (VER. 2) | 666 | FICO Classic V5 Facta | 729 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 1 | 1979 | xxx | 3 | 2.1 | C3 |  |  | $43303.42 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 785 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | No |  |  |  |  |  |  |  | $4158.73 |  | 0.096406 |  |  |  |  |  | $4158.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $515.99 | $569.25 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 772 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Individual | Individual | Employed | xxx | xxx | 2 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 758 | Fair Isaac (VER. 2) | 786 | Beacon 5 | 772 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 3 | 1902 | xxx | 9 | 3 | C3 | $xxx |  | $95587.62 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 810 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes |  |  |  |  |  |  |  | $20779.01 |  | 0.366860 |  |  |  |  |  | $20779.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $2990.52 | $756.22 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  | 11.62 | Permanent Resident Alien |  | 797 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Individual | Individual | Employed | xxx | xxx | 2 | Permanent Resident Alien | Resident Alien Card |  | Level 4-Stated/Verified as defined | 1/xx/2026 | 815 | Fair Isaac (VER. 2) | 783 | FICO Classic V5 Facta | 797 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2025 |  | $xxx | 1 | 1968 | xxx | 4 | 3.1 | C3 |  |  | $163649.63 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | No |  |  |  |  |  |  |  | $3080.35 |  | 0.504443 |  |  |  |  |  | $3080.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $373.49 | $148.25 | Level 1-Not Stated/Not Verified |  |  |  | No |  |  |  |  |  |  | 710 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | LLC | Business Entity | Unemployed |  | xxx | 1 |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 2 | US Citizen |  |  | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Classic | 1/xx/2026 | 704 | Fair Isaac (VER. 2) | 710 | FICO Classic V5 Facta | 728 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1986 | xxx | 1 | 1 | C4 | $xxx |  | $16666.67 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 776 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | No |  |  |  |  |  |  |  | $3332.16 |  | 0.190274 |  |  |  |  |  | $3332.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $636.80 | $206.43 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 3.50 |  |  | 763 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | LLC | Business Entity | Unemployed |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 5 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 11/xx/2025 | 763 | Fair Isaac (VER. 2) | 761 | FICO Classic V5 Facta | 767 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/xx/2025 |  | $xxx | 1 | 1969 | xxx | 3 | 2 | C4 |  |  | $61341.50 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 795 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes |  |  |  |  |  |  |  | $18477.68 |  | 0.207238 |  |  |  |  |  | $18477.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $1795.73 | $1110.49 | Level 4-Stated/Verified as defined |  |  |  | No | No |  |  |  | US Citizen |  | 756 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | Individual | Individual | Employed | xxx | xxx | 1 | US Citizen |  |  | Level 4-Stated/Verified as defined | 12/xx/2025 | 756 | Fair Isaac (VER. 2) | 717 | FICO Classic V5 Facta | 763 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1925 | xxx | 4 | 2.1 | C2 | $xxx |  | $68683.00 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 798 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes |  |  |  |  |  |  |  | $2199.57 |  | 0.152676 |  |  |  |  |  | $2199.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | $49.71 | $52.17 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  | 0.84 |  |  | 704 |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | LLC | Business Entity | Unemployed |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  | LLC | Business Entity | Unemployed |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 8 | US Citizen |  |  | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified | Classic | 12/xx/2025 | 681 | Fair Isaac (VER. 2) | 705 | FICO Classic V5 Facta | 704 | FICO Risk Score Classic 04 | 3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/xx/2026 |  | $xxx | 1 | 1948 | xxx | 5 | 2 | C3 |  |  | $96778.29 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 651 | xxx | xxx | xxx |  |  | xxx | xxx | xxx | 8/xx/2025 | Yes |  |  |  |  |  |  |  | $2690.77 |  | 0.069225 |  |  |  |  |  | $2690.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | $801.00 | $325.83 | $53.00 | Level 4-Stated/Verified as defined |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | xxx | LLC | Business Entity | Unemployed |  | xxx | 1 |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | xxx | xxx |  | Full Recourse | 1 | Foreign National | Passport, VISA | xxx | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Partially Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/xx/2025 |  | $xxx | 1 | 2025 | xxx | 1 | 1 | C1 | $xxx |  | $38870.16 |  |  |  |  |  |  |  | $xxx |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 3**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-4sch3_001.jpg) |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** |  |  |  |  |  |  |  |  |
| **Run Date - 4/9/2026 11:05:56 AM** |  |  |  |  |  |  |  |  |
| **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** |

---

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| 623 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A |
| 683 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 675 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A |
| 649 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 638 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 735 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 751 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 746 | XX | XX | XX |  | XX | XX C D |  | C | C | C | C | C | A | C D | A | B | B | B | B | B | B |
| 685 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 701 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 712 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 655 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 726 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 741 | XX | XX | XX |  | XX | XX C D |  | C | C | C | C | C | B | C D | A | A | A | A | A | A | A |
| 779 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 750 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 749 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 789 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 740 | XX | XX | XX |  | XX | XX C D |  | A | A | A | A | A | A | C D | A | A | A | A | A | A | A |
| 659 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 722 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 723 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A |
| 744 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 671 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 713 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A |
| 731 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 629 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 821 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 648 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 637 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 703 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 721 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 823 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 757 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 719 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 720 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 787 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 768 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 695 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 710 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 684 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 645 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 642 | XX | XX | XX |  | XX | XX B |  |  |  |  |  |  | A | B | B | N/A | N/A | N/A | N/A | N/A | B |
| 737 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 727 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 725 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 736 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 752 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 733 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | C | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 822 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 766 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 666 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | B |
| 633 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | B | B | B | B | B | B |
| 653 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 660 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 641 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | B |
| 706 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 711 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 627 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 657 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 654 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 677 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 658 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 668 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 647 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 670 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | B | N/A | N/A | N/A | N/A | N/A | B |
| 626 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 702 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 718 | XX | XX | XX |  | XX | XX D |  |  |  |  |  |  | A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 650 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 697 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | B | N/A | N/A | N/A | N/A | N/A | B |
| 665 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 709 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 636 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 632 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 621 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 624 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 635 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 652 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 630 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 676 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 622 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 646 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 688 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 693 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 674 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 673 | XX | XX | XX |  | XX | XX B |  |  |  |  |  |  | A | B | B | N/A | N/A | N/A | N/A | N/A | B |
| 717 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 628 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 690 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 682 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 705 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 707 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 743 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 700 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 714 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 738 | XX | XX | XX |  | XX | XX C D |  |  |  |  |  |  | A | C D | A | N/A | N/A | N/A | N/A | N/A | A |
| 762 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 754 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 763 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 667 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 687 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 696 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 773 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 753 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 679 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 704 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 672 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 680 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 777 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 715 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 824 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 661 | XX | XX | XX |  | XX | XX D |  |  |  |  |  |  | A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 734 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 686 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 643 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 656 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 783 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 639 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 764 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | B | N/A | N/A | N/A | N/A | N/A | B |
| 745 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 786 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 662 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 761 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 748 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | B | N/A | N/A | N/A | N/A | N/A | B |
| 694 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 691 | XX | XX | XX |  | XX | XX D |  |  |  |  |  |  | A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 689 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 788 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 664 | XX | XX | XX |  | XX | XX D |  |  |  |  |  |  | A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 739 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 770 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 716 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 730 | XX | XX | XX |  | XX | XX A |  |  |  |  |  |  | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 729 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 728 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | D | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 760 | XX | XX | XX |  | XX | XX C |  |  |  |  |  |  | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 699 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 765 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 780 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 784 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 755 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 820 | XX | XX | XX |  | XX | XX B |  | N/A | N/A | N/A | N/A | N/A | A | B | A | N/A | N/A | N/A | N/A | N/A | A |
| 797 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 663 | XX | XX | XX |  | XX | XX C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A | N/A | N/A | N/A | N/A | N/A | A |
| 634 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 801 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 809 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 815 | XX | XX | XX |  | XX | XX C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A | N/A | N/A | N/A | N/A | N/A | A |
| 758 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 806 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 772 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 811 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 625 | XX | XX | XX |  | XX | XX C D |  | N/A | N/A | N/A | N/A | N/A | A | C D | A | N/A | N/A | N/A | N/A | N/A | A |
| 813 | XX | XX | XX |  | XX | XX D |  | N/A | N/A | N/A | N/A | N/A | A | D | A | N/A | N/A | N/A | N/A | N/A | A |
| 805 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 774 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 791 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 803 | XX | XX | XX |  | XX | XX C |  | N/A | N/A | N/A | N/A | N/A | A | C | A | N/A | N/A | N/A | N/A | N/A | A |
| 804 | XX | XX | XX |  | XX | XX A |  | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A |
| 631 | XX | XX | XX |  | XX | XX C |  | D | D | D | D | D | A | D | A | A | A | A | A | A | A |
| 732 | XX | XX | XX |  | XX | XX D |  | B | B | B | B | B | A | D | B | A | A | A | A | A | B |
| 681 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | B | B | B | B | B | B |
| 640 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 692 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 698 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | D | D | A | A | A | A | A | A | A |
| 756 | XX | XX | XX |  | XX | XX A |  | B | B | B | B | B | A | B | A | B | B | B | B | B | B |
| 742 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | B | B | B | B | B | B |
| 678 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 825 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 794 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 781 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | B | B | B | B | B | B |
| 708 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A |
| 782 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A |
| 767 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | B | B | B | B | B | B |
| 747 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | A | A | A | A | A | A |
| 644 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 785 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 828 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | B | B | B | B | B | B | B |
| 827 | XX | XX | XX |  | XX | XX C |  | C | C | C | C | C | A | C | A | B | B | B | B | B | B |
| 826 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 771 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | B | A | A | A | A | A | B |
| 810 | XX | XX | XX |  | XX | XX A |  | B | B | B | B | B | A | B | A | A | A | A | A | A | A |
| 724 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 800 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 796 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 817 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 775 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 776 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 818 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 795 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 807 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 769 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 790 | XX | XX | XX |  | XX | XX B |  | C | C | C | C | C | A | C | B | A | A | A | A | A | B |
| 759 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 808 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 792 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 620 | XX | XX | XX |  | XX | XX A |  | C | C | C | C | C | A | C | A | B | B | B | B | B | B |
| 793 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 798 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A B | C | A | A | A | A | A | A | A B |
| 812 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 669 | XX | XX | XX |  | XX | XX B |  | A | A | A | A | A | A | B | A | A | A | A | A | A | A |
| 778 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 651 | XX | XX | XX |  | XX | XX B |  | A | A | A | A | A | A | B | B | A | A | A | A | A | B |
| 799 | XX | XX | XX |  | XX | XX C |  | A | A | A | A | A | A | C | A | A | A | A | A | A | A |
| 814 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 802 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 816 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| 819 | XX | XX | XX |  | XX | XX A |  | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.4

**Exhibit 99.4 Schedule 4**

**---

| |
|:---|
| ![](ex99-4sch4_001.jpg) |
| Data Compare (Non-Ignored) |
| Run Date - 4/9/2026 12:31:06 PM |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | AMC Loan ID | Customer Loan ID | Seller Loan ID | Servicer Loan ID | Investor Loan Number | Field Label | Bid Tape Field Value | Field Value | Compare Status | Comment |
| 623 | xxx | xxx | xxx |  |  | Representative FICO | 772 | 717 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 623 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 683 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 675 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 735 | xxx | xxx | xxx |  |  | Representative FICO | 772 | 764 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 735 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| 712 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 750 | xxx | xxx | xxx |  |  | Original LTV | 73.18 | 85 | Verified | Tape Value reflects the CLTV value |
| 671 | xxx | xxx | xxx |  |  | Borrower First Name | xxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 671 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 671 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 713 | xxx | xxx | xxx |  |  | Representative FICO | 736 | 735 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 713 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 629 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-07 | Verified | Field Value reflects Note Date per the Note |
| 648 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 648 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-20 | Verified | Field Value reflects Note Date per the Note |
| 637 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-20 | Verified | Out of scope. |
| 703 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 703 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 721 | xxx | xxx | xxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 757 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 757 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-14 | Verified | Field Value reflects Note Date per the Note |
| 757 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Captured from appraisal Document |
| 719 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 720 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 720 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 787 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 768 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-17 | Verified | Field Value reflects Note Date per the Note |
| 710 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 710 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance Transaction. |
| 684 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 684 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 645 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 737 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 727 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 725 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 736 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 752 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 752 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-21 | Verified | Field Value reflects Note Date per the Note |
| 733 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 733 | xxx | xxx | xxx |  |  | LTV Valuation Value | xxx | xxx | Verified | Field value reflects source document |
| 822 | xxx | xxx | xxx |  |  | Zip | xxx | xxx | Verified | Field Value reflects Zip per Note |
| 822 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 766 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 766 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 660 | xxx | xxx | xxx |  |  | Borrower First Name | xxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 660 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 711 | xxx | xxx | xxx |  |  | Appraised Value | xxx | xxx | Verified | Field Value captured from Valuation model in file |
| 711 | xxx | xxx | xxx |  |  | Original LTV | 34.62 | 31.25 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 627 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 627 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-03 | Verified | Field Value reflects Note Date per the Note |
| 657 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 657 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-04 | Verified | Field Value reflects Note Date per the Note |
| 657 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Refinance transaction. |
| 654 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 654 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-04 | Verified | Field Value reflects Note Date per the Note |
| 677 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 677 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-09 | Verified | Field Value reflects Note Date per the Note |
| 677 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | DSCR Rounded Up |
| 658 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 658 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-11 | Verified | Field Value reflects Note Date per the Note |
| 647 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 647 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 647 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.11 | 0.95 | Verified | Field value reflects source document |
| 670 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 670 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-17 | Verified | Field Value reflects Note Date per the Note |
| 670 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Refinance transaction. |
| 626 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 626 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-17 | Verified | Field Value reflects Note Date per the Note |
| 718 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 718 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 718 | xxx | xxx | xxx |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 718 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 2.00 | 2.06 | Verified | Field value reflects source document |
| 650 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 650 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 697 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 697 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 697 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.02 | 0.72 | Verified | Qualifying Rent $2,000 / P&I of 2,155.90, HOI of X and taxes of $550.80. |
| 665 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-24 | Verified | Field Value reflects Note Date per the Note |
| 665 | xxx | xxx | xxx |  |  | Representative FICO | 738 | 720 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 665 | xxx | xxx | xxx |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| 665 | xxx | xxx | xxx |  |  | # of Units | 1 | 3 | Verified | Field value reflects source document |
| 665 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 665 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.34 | Verified | $3,652.71 PITIA/$4,900 Income |
| 709 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-24 | Verified | Field Value reflects Note Date per the Note |
| 636 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 636 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 636 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Out of scope. |
| 632 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-19 | Verified | Field Value reflects Note Date per the Note |
| 621 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 624 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 624 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 635 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 635 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-26 | Verified | Field Value reflects Note Date per the Note |
| 652 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 630 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 630 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-05 | Verified | Field Value reflects Note Date per the Note |
| 676 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-09 | Verified | Field Value reflects Note Date per the Note |
| 622 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 622 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-11 | Verified | Field Value reflects Note Date per the Note |
| 622 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Unable to verify due to missing information |
| 646 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 646 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 688 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-18 | Verified | Field Value reflects Note Date per the Note |
| 693 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-29 | Verified | Field Value reflects Note Date per the Note |
| 674 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 674 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-30 | Verified | Field Value reflects Note Date per the Note |
| 673 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 673 | xxx | xxx | xxx |  |  | Note Date |  | 2025-xx-29 | Verified | Field Value reflects Note Date per the Note |
| 673 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.86 | 2.41 | Verified | Other Expense in final 1003 $635.74 cannot be verified. |
| 717 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 717 | xxx | xxx | xxx |  |  | Representative FICO | 747 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 717 | xxx | xxx | xxx |  |  | Contract Sales Price | 690000.00 | xxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 628 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 628 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Its Refinance. |
| 628 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.58 | 1.59 | Verified | Rounding Factor |
| 690 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 690 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-08 | Verified | Field Value reflects Note Date per the Note |
| 705 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 705 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-13 | Verified | Field Value reflects Note Date per the Note |
| 705 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Refinance transaction |
| 707 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 707 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-14 | Verified | Field Value reflects Note Date per the Note |
| 743 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 743 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-15 | Verified | Bid tape value was not received |
| 700 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 714 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 714 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 738 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 762 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 762 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 754 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 754 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-15 | Verified | Field Value reflects Note Date per the Note |
| 763 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 763 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 763 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Refinance File |
| 763 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Verified | DSCR=$4,600/$4,425.14=1.04 |
| 667 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 667 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 687 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-20 | Verified | Field Value reflects Note Date per the Note |
| 687 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Captured from appraisal |
| 696 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 696 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-20 | Verified | Field Value reflects Note Date per the Note |
| 696 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 696 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | DSCR Mismatch due to Round-off value |
| 773 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 773 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 773 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 753 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-20 | Verified | Field Value reflects Note Date per the Note |
| 753 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.12 | Verified | Due to round off |
| 679 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 679 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-21 | Verified | Field Value reflects Note Date per the Note |
| 679 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Refinance Transaction. |
| 704 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 704 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Due to rounding. |
| 672 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 672 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-15 | Verified | Field Value reflects Note Date per the Note |
| 672 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 680 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 680 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-14 | Verified | Field Value reflects Note Date per the Note |
| 777 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 777 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-21 | Verified | Field Value reflects Note Date per the Note |
| 777 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 715 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 715 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-16 | Verified | Field Value reflects Note Date per the Note |
| 715 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.50 | 1.52 | Verified | Difference due to verified taxes on title commitment and taxes collected on final closing statement. |
| 824 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 824 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.58 | 1.60 | Verified | DSCR=$6,506.66/$4,077.86=1.60 |
| 661 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 661 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-21 | Verified | Field Value reflects Note Date per the Note |
| 661 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.50 | 1.51 | Verified | Due to rounding |
| 734 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 734 | xxx | xxx | xxx |  |  | LTV Valuation Value | xxx | xxx | Verified | Field value reflects source document |
| 686 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 686 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 643 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 643 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 643 | xxx | xxx | xxx |  |  | LTV Valuation Value | xxx | xxx | Verified | Field value reflects source document |
| 656 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 656 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 656 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Refi |
| 783 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 639 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 764 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 764 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 764 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Out of scope. |
| 745 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 786 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 662 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 662 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-21 | Verified | Field Value reflects Note Date per the Note |
| 761 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 761 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 761 | xxx | xxx | xxx |  |  | LTV Valuation Value | xxx | xxx | Verified | Field value reflects source document |
| 748 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 748 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 694 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 691 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 691 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 689 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 689 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-26 | Verified | Field Value reflects Note Date per the Note |
| 788 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 788 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 664 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 664 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 739 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 739 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-20 | Verified | Field Value reflects Note Date per the Note |
| 770 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 770 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-21 | Verified | Field Value reflects Note Date per the Note |
| 716 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 716 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 730 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 730 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | The Bid Tape Field Value was not provided. |
| 730 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Its Refinance. |
| 730 | xxx | xxx | xxx |  |  | Subject Debt Service Coverage Ratio | 1.54 | 1.64 | Verified | Per the 1003, lender used $3625.00 for the rent and $2205.18 for the PITIA which is what was used for the Field Value DSCR. |
| 729 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 729 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 728 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 728 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-22 | Verified | Field Value reflects Note Date per the Note |
| 760 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 760 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-23 | Verified | Field Value reflects Note Date per the Note |
| 699 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 699 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-28 | Verified | Field Value reflects Note Date per the Note |
| 765 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 765 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-17 | Verified | Field Value reflects Note Date per the Note |
| 765 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 780 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 780 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-18 | Verified | Field Value reflects Note Date per the Note |
| 784 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 784 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-19 | Verified | Field Value reflects Note Date per the Note |
| 755 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 755 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-18 | Verified | Field Value reflects Note Date per the Note |
| 820 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-17 | Verified | Field Value reflects Note Date per the Note |
| 797 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-20 | Verified | Field Value reflects Note Date per the Note |
| 663 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 663 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-18 | Verified | Field Value reflects Note Date per the Note |
| 663 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance Transaction. |
| 634 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 634 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-20 | Verified | Field Value reflects Note Date per the Note |
| 801 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-19 | Verified | Field Value reflects Note Date per the Note |
| 809 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 815 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 815 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-25 | Verified | Field Value reflects Note Date per the Note |
| 758 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 758 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-24 | Verified | Field Value reflects Note Date per the Note |
| 806 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 772 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 772 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-25 | Verified | Field Value reflects Note Date per the Note |
| 811 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 811 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-26 | Verified | Field Value reflects Note Date per the Note |
| 625 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 625 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-27 | Verified | Field Value reflects Note Date per the Note |
| 813 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-25 | Verified | Bid Tape Field Value not provided |
| 774 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 774 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-27 | Verified | Field Value reflects Note Date per the Note |
| 774 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Refinance File |
| 774 | xxx | xxx | xxx |  |  | LTV Valuation Value | xxx | xxx | Verified | Field value reflects source document |
| 791 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 791 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 | xxx | Verified | Refinance |
| 803 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 803 | xxx | xxx | xxx |  |  | Note Date |  | 2026-xx-27 | Verified | Field Value reflects Note Date per the Note |
| 804 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 631 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 732 | xxx | xxx | xxx |  |  | Borrower First Name | xxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 732 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 732 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 692 | xxx | xxx | xxx |  |  | Borrower First Name | xxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 692 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 698 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Alternate format, not a true discrepancy |
| 756 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 742 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 678 | xxx | xxx | xxx |  |  | Borrower First Name | xxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 678 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 678 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refi |
| 825 | xxx | xxx | xxx |  |  | Borrower First Name | xxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 825 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 825 | xxx | xxx | xxx |  |  | Original P&I | 2624.87 | 3258.37 | Verified | Field Value reflects Note value |
| 825 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Out of scope. |
| 708 | xxx | xxx | xxx |  |  | Representative FICO | 670 | 676 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 708 | xxx | xxx | xxx |  |  | Property Type | 3 Family | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 708 | xxx | xxx | xxx |  |  | # of Units | 3 | 1 | Verified | Field value reflects source document |
| 708 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance |
| 782 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 828 | xxx | xxx | xxx |  |  | Original LTV | 68.63 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 827 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 826 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Refinance transaction |
| 810 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 800 | xxx | xxx | xxx |  |  | Original LTV | 68.78 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 796 | xxx | xxx | xxx |  |  | Borrower First Name | xxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 796 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 796 | xxx | xxx | xxx |  |  | Appraised Value | xxx | xxx | Verified | Field Value captured from Valuation model in file |
| 796 | xxx | xxx | xxx |  |  | Original LTV | 80 | 71.01754 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 817 | xxx | xxx | xxx |  |  | Original LTV | 75.53 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 776 | xxx | xxx | xxx |  |  | Borrower First Name | xxx |  | Verified | Unable to verify due to missing information |
| 776 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 792 | xxx | xxx | xxx |  |  | Original LTV | 87.51 | 90 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 620 | xxx | xxx | xxx |  |  | Original LTV | 53.8 | 58.67342 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 793 | xxx | xxx | xxx |  |  | Original LTV | 45.78 | 50.66667 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 798 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 778 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 651 | xxx | xxx | xxx |  |  | Borrower First Name | xxx |  | Verified | Field Value reflects Borrower name as it appears on the Note |
| 651 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 651 | xxx | xxx | xxx |  |  | Representative FICO | 0 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 651 | xxx | xxx | xxx |  |  | Original LTV | 46.94 | 50 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 814 | xxx | xxx | xxx |  |  | Borrower Last Name | xxx | xxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 802 | xxx | xxx | xxx |  |  | Original LTV | 71.48 | 80 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 819 | xxx | xxx | xxx |  |  | Contract Sales Price | 0.00 |  | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |

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**

## Exhibit 99.4

**Exhibit 99.4 Schedule 5**

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| |
|:---|
| ![](ex99-4sch5_001.jpg) |
| **Exception Grades** |
| **Run Date - 4/xx/2026 11:05:57 AM** |

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| Marketing ID | **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **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** |
| 623 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 5:44:07 PM | 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 $168.00 exceeds tolerance of $84.00 plus 10% or $92.40. Sufficient or excess cure was provided to the borrower at Closing. (0) | Cure provided. |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/xx/2025 2:58:38 PM |  | 1 A | 10/xx/2025 | NV | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| 623 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 5:44:07 PM | 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 10/xx/2025, prior to three (3) business days from transaction date of 10/xx/2025. |  |  |  |  | Reviewer Comment (2025-11-24): Certified Settlement statement provided for for revised disbursement date.<br>Buyer Comment (2025-11-20): Attached find the FSS from title with the correct Disb date. | 11/xx/2025 4:47:58 PM |  |  | 1 C A | 10/xx/2025 | NV | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Exempt from ATR | Exempt from ATR | No |
| 623 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 5:44:07 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.17976% exceeds Guideline total debt ratio of 50.00000%. | Missing lease for REO. |  |  |  | Reviewer Comment (2025-12-10): Asset Depletion increased per UW Income worksheet provided.<br>Reviewer Comment (2025-12-10): Updated the income with increased asset depletion per clients request and updated UW Income worksheet. The DTI was reduced but is still over 50%. Exception updated accordingly.<br>Reviewer Comment (2025-12-10): EXCEPTION HISTORY - Exception Explanation was updated on 12/xx/2025 PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 62.73970% exceeds Guideline total debt ratio of 50.00000%.<br>Buyer Comment (2025-12-10): 12/10-Please see attached<br>Buyer Comment (2025-12-10): 12/10-Please see the attached<br>Reviewer Comment (2025-12-09): Rental income has been used for qualifying from departing residence. Borrowers will occupy subject property as primary residence. Exception remains.<br>Buyer Comment (2025-12-05): 12/05-Please see attached where it currently reflects xxx as current address. No lease agreement required | 12/xx/2025 1:29:13 PM |  |  | 1 C A | 10/xx/2025 | NV | Primary | Refinance - Rate/Term | C A | Exempt from ATR | Exempt from ATR | No |
| 675 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 8:36:53 PM | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | The loan file is missing a copy of the Certificate of Compliance or Exemption. |  |  |  | Reviewer Comment (2026-01-22): Received IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance document. Exception Cleared.<br>Buyer Comment (2026-01-21): Please see attached doc<br>Buyer Comment (2026-01-19): Please see attached Doc | 1/xx/2026 3:52:15 AM |  |  | 1 C A | 12/xx/2025 | IL | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 649 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 7:09:43 PM | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxx | The fraud report disclosed red flags that were not addressed. |  |  |  | Reviewer Comment (2026-01-29): Received updated Fraud report. Exception cleared.<br>Buyer Comment (2026-01-27): Please find cleared Core Logic report attached. Thank you. | 1/xx/2026 3:12:18 AM |  |  | 1 C A | 1/xx/2026 | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 746 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | 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 $xxx exceeds tolerance of $0.00. $4.00 over legal limit. Insufficient or no cure was provided to the borrower. (77222) | TX Guaranty Fee was last disclosed as $0.00 on Loan Estimate but disclosed as $4.00 on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2026-01-30): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2026-01-29): Please find attached the PCCD, LOE and Check.<br>Reviewer Comment (2026-01-27): SitusAMC received lender rebuttal on borrower selected. However, the Title-Title Policy TX Fee of $2.00, AKA, TX Guaranty Fee, though is being paid to title company is a fee incurred & imposed on TX loans and remitted to TTIGA and is not shoppable regardless of the title company utilized. As such, fee should be disclosed initially and is subject to 0% tolerance testing. Fee not disclosed on initial LE and added to CD. Corrected CD, LOE to borrower, copy of cure refund and proof of mailing.<br>Buyer Comment (2026-01-26): We do not need to cure fees the borrower shopped for. |  | 1/xx/2026 3:02:28 AM |  | 2 C B | 1/xx/2026 | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| 746 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent-free letter was in the file, however, UW Discretion is required for borrowers living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-01-30): 1008 comments.<br>Buyer Comment (2026-01-28): Uw discretion | 1/xx/2026 3:59:30 PM |  |  | 1 C A D | 1/xx/2026 | TX | Primary | Purchase | D B A C | Exempt from ATR | Exempt from ATR | No |
| 685 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxx Insurance Verification | Hazard Policy verification was not provided for property xxx. |  |  |  | Reviewer Comment (2026-02-02): Received HOA Verification. Exception cleared.<br>Buyer Comment (2026-01-29): HOA timeshare<br>Reviewer Comment (2026-01-29): Supporting documents required for the "xx, WI" REO Property address with the amount $619.21 is required. Exception remains,<br>Buyer Comment (2026-01-27): loe time share not required to have HO6 Insurance<br>Buyer Comment (2026-01-27): D0245 master condo policy | 2/xx/2026 3:04:22 AM |  |  | 1 C A | 1/xx/2026 | IL | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 685 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Hazard Policy verification was not provided for property xxx. |  |  |  | Reviewer Comment (2026-02-02): Received HOA Verification. Exception cleared.<br>Buyer Comment (2026-01-29): see attached timeshare fee<br>Reviewer Comment (2026-01-29): Supporting documents required for the "xxx, WI" REO Property address with the amount $619.21 is required. Exception remains,<br>Buyer Comment (2026-01-27): see attached docs | 2/xx/2026 3:04:38 AM |  |  | 1 C A | 1/xx/2026 | IL | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 685 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 750.00, Credit Report: Original // Public Record Type: Judgments / Balance: 440.00 | All judgments must be paid in full prior to or at closing. |  |  |  | Reviewer Comment (2026-02-02): Received Bankruptcy/Judgement and Tax Lien Affidavit. Exception cleared.<br>Buyer Comment (2026-01-29): affidavit<br>Reviewer Comment (2026-01-29): Required updated Title document or affidavit shows All Judgments must be paid prior to or at closing. Exception remains.<br>Buyer Comment (2026-01-27): loe | 2/xx/2026 3:06:15 AM |  |  | 1 B A | 1/xx/2026 | IL | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 701 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly licensed or certified. |  |  |  | Reviewer Comment (2026-01-30): Received CPA PTIN verification.<br>Buyer Comment (2026-01-28): Please see confirmation attached tax person is approved as a PTIN preparer. Thank you. | 1/xx/2026 3:57:07 AM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 741 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:24:22 PM | 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 $-2,250.00 exceeds tolerance of $-4,500.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits was last disclosed as xxx on Loan Estimate but disclosed as xxx on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee, no evidence of cure in file. |  |  |  | Reviewer Comment (2026-01-29): SitusAMC received valid COC document<br>Buyer Comment (2026-01-28): please see COC | 1/xx/2026 2:24:56 AM |  |  | 1 C A | 1/xx/2026 | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Exempt from ATR | Exempt from ATR | No |
| 741 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:24:22 PM | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-02-03): Received 1008 with UW Discretion.<br>Buyer Comment (2026-01-30): uw discretion<br>Reviewer Comment (2026-01-30): Provided 1008 is for another borrower. Exception remains.<br>Buyer Comment (2026-01-28): uw discretion | 2/xx/2026 2:02:09 AM |  |  | 1 C A D | 1/xx/2026 | FL | Primary | Purchase | D A C B | Exempt from ATR | Exempt from ATR | No |
| 741 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:24:22 PM | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 12/xx/2025 | The appraisal report disclosed a different lender than on the Note. Please provide an appraisal transfer letter or a revised appraisal report disclosing xxx (with an S) as the lender. |  |  |  | Reviewer Comment (2026-02-04): Received Appraisal Report with corrected lender name. Exception cleared.<br>Buyer Comment (2026-02-02): appraisal<br>Reviewer Comment (2026-01-30): This is not a BP ACC loan. This is Consumer purpose - Purchase of primary home - Activator loan and Appraisal transfer letter is required.<br>Buyer Comment (2026-01-28): per guidelines BP ACC does not require appraisal transfer letter. Only requires appraisal invoice D0490 | 2/xx/2026 2:23:13 AM |  |  | 1 B A | 1/xx/2026 | FL | Primary | Purchase | D A C B | Exempt from ATR | Exempt from ATR | No |
| 779 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing underwriter discretion allowing for rent free borrower approval. |  |  |  | Reviewer Comment (2026-02-02): Received 1008 with UW discretion.<br>Buyer Comment (2026-01-29): UW discretion | 2/xx/2026 3:28:18 AM |  |  | 1 C A | 1/xx/2026 | TX | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 779 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.79 is less than Guideline PITIA months reserves of 3.00. |  |  |  |  | Reviewer Comment (2026-02-02): POC fees updated.<br>Buyer Comment (2026-01-29): agent credit<br>Buyer Comment (2026-01-29): $2150 agent credit<br>Buyer Comment (2026-01-29): Credit report paid by CC<br>Buyer Comment (2026-01-29): D0219 appraisal paid by CC | 2/xx/2026 3:27:17 AM |  |  | 1 C A | 1/xx/2026 | TX | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 750 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA has no affiliation with the borrower or the business. |  |  |  | Reviewer Comment (2026-02-02): Received P&L statement stating there is no affiliation between CPA and borrower. Exception cleared.<br>Buyer Comment (2026-01-29): Please note comments from tax preparer on page #2 at the bottom by the signature. Thanks so much. | 2/xx/2026 2:24:41 AM |  |  | 1 C A | 1/xx/2026 | TX | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 749 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly certified. |  |  |  | Reviewer Comment (2026-02-02): Received certification for CPA. Exception cleared<br>Buyer Comment (2026-01-29): CPA verified | 2/xx/2026 4:57:51 PM |  |  | 1 C A | 1/xx/2026 | NJ | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 740 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-02-02): Received letter of explanation and underwriter discretion stating borrower is living rent free. Exception Cleared.<br>Buyer Comment (2026-01-29): UW discretion | 2/xx/2026 2:53:42 AM |  |  | 1 C A D | 1/xx/2026 | FL | Primary | Purchase | D A | Exempt from ATR | Exempt from ATR | No |
| 659 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA has no affiliation with the borrower or the business. |  |  |  | Reviewer Comment (2026-02-03): Affiliation Verbiage is required only when expense factor provided by CPA is used.<br>Buyer Comment (2026-01-30): CPA letter verbiage is not required. We did not use a fixed expense from the CPA. We provided an operating agreement showing 100% ownership. | 2/xx/2026 2:11:07 AM |  |  | 1 C A | 1/xx/2026 | MI | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 659 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly licensed or certified. |  |  |  | Reviewer Comment (2026-02-02): Received evidence that the CPA is duly licensed or certified. Exception Cleared.<br>Buyer Comment (2026-01-29): cpa | 2/xx/2026 3:40:14 AM |  |  | 1 C A | 1/xx/2026 | MI | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 722 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Lender's calculation is less than review's calculation. Lender used 100% business ownership; CPA disclosed borrower owns 50% of each business. Lender showed $20,450.00 total deposits for October, 2025 for xxx versus bank statement amount of $9,900.00. |  |  |  | Reviewer Comment (2026-02-03): Loan still qualifies with less income; guideline income requirements are all met.<br>Buyer Comment (2026-01-30): Loan qualifies with revised income. | 2/xx/2026 2:15:46 AM |  |  | 1 C A | 1/xx/2026 | NJ | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 723 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | 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 (2026-02-02): SitusAMC received initial CD.<br>Buyer Comment (2026-01-30): Please see attached CD dated 01/15 | 2/xx/2026 4:08:41 AM |  |  | 1 C A | 1/xx/2026 | FL | Primary | Purchase | No Defined Cure A | Exempt from ATR | Exempt from ATR | No |
| 723 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | 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 $-1,925.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits were last disclosed as -$1,925.00 on Loan Estimate but disclosed as $0.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. |  |  |  | Reviewer Comment (2026-02-02): SitusAMC received a valid COC.<br>Buyer Comment (2026-01-30): Please see attached | 2/xx/2026 4:07:20 AM |  |  | 1 C A | 1/xx/2026 | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| 723 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | 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 $xxx exceeds tolerance of $0.00. $xxx over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points were not disclosed on Loan Estimate but disclosed as $3,850.00 on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. |  |  |  | Reviewer Comment (2026-02-02): SitusAMC received a valid COC.<br>Buyer Comment (2026-01-30): Please see attached | 2/xx/2026 4:07:20 AM |  |  | 1 C A | 1/xx/2026 | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| 713 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | 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 Origination Fee. Fee Amount of $xxx exceeds tolerance of $xxx. $xxx over legal limit. Insufficient or no cure was provided to the borrower. (7325) | Loan Origination Fee increased from $xxx on LE, but disclosed as $xxx on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-05): SitusAMC received COC and LOE suffice<br>Buyer Comment (2026-02-04): Please see attached LOE.<br>Reviewer Comment (2026-02-04): SitusAMC received COC dated 01/xx/2026. SitusAMC would require a Lender attestation with an explanation on why the doc prep fee was combined with loan origination fee or cure is required to borrower.<br>Buyer Comment (2026-02-04): Please see attached | 2/xx/2026 4:22:48 AM |  |  | 1 C A | 1/xx/2026 | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| 713 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/xx/2026 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $537,429.03 is over disclosed by $160.02 compared to the calculated Amount Financed of $537,269.01 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 01/xx/2026). (Final/xx/13/2026) | Final Closing Disclosure reflects Amount Finance of $xxx but calculated Amount Finance of $xxx. Variance = $xxx related to Misc Payoff in Section H of the final Closing Disclosure. |  |  |  | Reviewer Comment (2026-02-09): Received evidence payoff is to sewer services due. | 2/xx/2026 2:37:29 PM |  |  | 1 C A | 1/xx/2026 | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Exempt from ATR | Exempt from ATR | No |
| 713 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/xx/2026 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $746,684.19 is under disclosed by $160.02 compared to the calculated Finance Charge of $746,844.21 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 01/xx/2026). (Final/xx/13/2026) | Final Closing Disclosure reflects Amount Finance of $xxx but calculated Amount Finance of $xxx. Variance = $xxx related to Misc Payoff in Section H of the final Closing Disclosure. |  |  |  | Reviewer Comment (2026-02-09): Received evidence payoff is to sewer services due. | 2/xx/2026 2:37:29 PM |  |  | 1 C A | 1/xx/2026 | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Exempt from ATR | Exempt from ATR | No |
| 821 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 5:06:23 PM | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $xxx is less than Cash From Borrower $xxx. | File is missing asset verification. |  |  |  | Reviewer Comment (2025-12-03): Received assets documentation. Exception Cleared.<br>Buyer Comment (2025-12-01): xx and xxx asset documentation attached. | 12/xx/2025 3:04:59 AM |  |  | 1 C A | 9/xx/2025 | CA | Investment | Purchase | C A |  | N/A | No |
| 821 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 5:06:23 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | Assets are not provided in the file |  |  |  | Reviewer Comment (2025-12-03): Received assets documentation. Exception Cleared.<br>Buyer Comment (2025-12-01): xxx and xxx asset documentation attached. | 12/xx/2025 3:04:44 AM |  |  | 1 C A | 9/xx/2025 | CA | Investment | Purchase | C A |  | N/A | No |
| 821 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 5:06:23 PM | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Max LTV for DSCR < 1.0 is 75%. Loan was approved with asset depletion however documentation not in file. |  |  |  | Reviewer Comment (2025-12-03): Received assets documentation. Exception Cleared.<br>Buyer Comment (2025-12-01): xxx and xxx asset documentation attached. | 12/xx/2025 3:04:44 AM |  |  | 1 C A | 9/xx/2025 | CA | Investment | Purchase | C A |  | N/A | No |
| 787 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:24:22 PM | 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 (2026-02-02): Received Closing Statement. Exception Cleared.<br>Buyer Comment (2026-01-29): Please see stamped HUD-1 attached. Thank you. | 2/xx/2026 3:46:48 AM |  |  | 1 C A | 1/xx/2026 | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 710 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | 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 Non-Owner Occupancy Declaration is incomplete as Section 4A is missing the principal residence address. |  |  |  | Reviewer Comment (2026-02-03): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2026-01-30): Non-Owner | 2/xx/2026 1:35:57 AM |  |  | 1 C A | 1/xx/2026 | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 642 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow housing history documented with a private party VOR showing $1800/month paid with 0x30 since 12/2023, a lease and an LOE stating that the payments have been made in a combination of checks and cash, that was signed by both the borrower (Tenant) and her landlord. No cancelled checks or bank statements available. Compensating factor 756 FICO, DSCR 1.28 and LTV 63.026%. | 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.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: 660<br> Representative FICO: 756<br>The DSCR of 1.28 is greater than the minimum required DSCR of 1 | SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC,Originator Pre-Close | Reviewer Comment (2026-01-29): Lender granted exception approval with compensating factors in loan file. |  |  | 1/xx/2026 6:25:37 PM | 2 B | 1/xx/2026 | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 733 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 12/xx/2025 | 1004D/442 Document missing in Loan File. |  |  |  | Reviewer Comment (2026-02-12): Provided 1004 appraisal report with As-Is value of xxx. Exception cleared.<br>Buyer Comment (2026-02-10): appraisal as is | 2/xx/2026 12:49:48 AM |  |  | 1 C A | 1/xx/2026 | DE | Investment | Purchase | C A |  | N/A | No |
| 666 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 6:46:01 PM | 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 $430.00 exceeds tolerance of $214.00 plus 10% or $235.40. Sufficient or excess cure was provided to the borrower at Closing. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $430.00 exceeds tolerance of $214.00 plus 10% or $235.40. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  | Reviewer Comment (2025-12-08): Sufficient Cure Provided At Closing |  | 12/xx/2025 4:15:20 AM |  | 1 A | 11/xx/2025 | CA | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | No |
| 666 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 6:46:01 PM | 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. |  | The Preliminary title policy amount is blank. please provide updated title policy. |  |  |  | Reviewer Comment (2025-12-31): Title supplement provided in loan file. Exception cleared.<br>Buyer Comment (2025-12-29): Please see attached from Title Co. confirming loan amount. Thank you. | 12/xx/2025 1:53:04 AM |  |  | 1 B A | 11/xx/2025 | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 666 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 6:46:01 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.47398% exceeds Guideline total debt ratio of 45.00000%. | Calculated investor qualifying total debt ratio of 50.47398% exceeds Guideline total debt ratio of 45.00000%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $6,660.11<br>Reserves: 26.79<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 720<br> Representative FICO: 777 | 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 exception approval received post-consummation.<br>Buyer Comment (2025-12-29): Please find exception attached for dti. Thank you. |  |  | 12/xx/2025 1:20:17 PM | 2 C B | 11/xx/2025 | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 633 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 6:01:04 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $xxx exceeds tolerance of $xxx. Sufficient or excess cure was provided to the borrower at Closing. (7506) | A cure was provided at closing. |  |  |  | Reviewer Comment (2025-12-10): Sufficient Cure Provided At Closing |  | 12/xx/2025 4:17:36 PM |  | 1 A | 12/xx/2025 | CT | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | No |
| 633 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 6:01:04 PM | 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 $3,347.00 exceeds tolerance of $1,967.00 plus 10% or $2,163.70. $1,183.30 over legal limit. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $1,183.30 due to increase of recording fee, Title - Document Preparation Fee, Title - Processing Fee and Title- Settlement/Closing/Escrow Fee. No valid COC provided, no evidence of cure in file. |  |  |  | Reviewer Comment (2026-01-06): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2026-01-06): cure docs<br>Reviewer Comment (2025-12-30): SitusAMC received rebuttal that sufficient cure was provided at closing but as per file the 10% tolerance fees are Settlement fee, Escrow Doc Prep fee, Escrow Processing fee and recording fee. Total of these fees are $1967 on initial LE (Baseline) while on CD total of these fees are $3347. The required cure after 10% is $1,183.30. Cure provided at closing is $1,106.30 remaining to cure is $77.00. Please provide remaining cure of $77. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-12-29): please see we already cured this on final CD-lender credit of $1106.30 |  | 1/xx/2026 11:37:18 PM |  | 2 C B | 12/xx/2025 | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| 653 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 6:01:04 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to verify full 12 months' housing history for primary residence. Please provide bank statements, canceled checks, a payment history disclosing timely payments, or a letter from the property owner disclosing living status. |  |  |  | Reviewer Comment (2026-01-23): 12 months rental history verified from bank statements.<br>Buyer Comment (2026-01-21): Situs PLEASE note bank statements are already in your that reflect payment mthly for rent to "xxx". Document ID #xx thru xxx. Thank you.<br>Reviewer Comment (2026-01-15): The loan is an Activator CCT loan and the rent history is required.<br>Buyer Comment (2026-01-13): Again Situs. Borrower is a 1st time homebuyer buying their first primary home per guidelines rental history is NOT required to be verified when Borrower is purchasing their 1st primary residence.<br>Reviewer Comment (2025-12-31): As per requirement, borrower's 12 rental history of $1500 is required. Exception remains.<br>Buyer Comment (2025-12-29): Please note this is an Ally product & as such does not required verification of the Borrowers exit primary residence if purchasing a primary home aka 1st time homebuyer. Thank you. | 1/xx/2026 2:25:37 AM |  |  | 1 C A | 12/xx/2025 | TX | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 660 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 6:01:04 PM | 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 $200.00 exceeds tolerance of $144.00 plus 10% or $158.40. Sufficient or excess cure was provided to the borrower at Closing. (0) | A cure was provided at closing. |  |  |  | Reviewer Comment (2025-12-11): Sufficient Cure Provided At Closing |  | 12/xx/2025 4:48:34 AM |  | 1 A | 12/xx/2025 | CA | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| 660 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 6:01:04 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the Trust. |  |  |  | Reviewer Comment (2025-12-29): Received OFAC for the trust. Exception cleared.<br>Buyer Comment (2025-12-24): 12/24-Please see attached | 12/xx/2025 5:04:37 AM |  |  | 1 C A | 12/xx/2025 | CA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 641 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 4:37:36 PM | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxx // Account Type: Individual Retirement Account (IRA) / Account Number: xxxx | IRA Statement (xxx) provided more than 90 days to the note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Documentation Type: 2yr Full Doc<br> Disposable Income: $15,374.88<br>Reserves: 28.09<br> Guideline Requirement: 9.00<br>Loan to Value: 35.54872%<br> Guideline Maximum Loan to Value: 70.00000% | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-09): Waived with compensating factors per lender exception approval received in trailing documents.<br>Buyer Comment (2026-01-07): Please find exception attached. Thanks so much. |  |  | 1/xx/2026 5:41:00 PM | 2 C B | 12/xx/2025 | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 641 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:39:12 PM | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Most recent statement for the IRA account is dated more than 90 days prior to the Note date. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Documentation Type: 2yr Full Doc<br> Disposable Income: $15,374.88<br>Reserves: 28.09<br> Guideline Requirement: 9.00<br>Loan to Value: 35.54872%<br> Guideline Maximum Loan to Value: 70.00000% | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-09): Waived with compensating factors per lender exception approval received in trailing documents. |  |  | 1/xx/2026 5:41:09 PM | 2 B | 12/xx/2025 | FL | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 706 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 5:52:31 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 57.91719% exceeds Guideline total debt ratio of 50.00000%. | There is no evidence that debts were paid off by borrower's own funds 1) xxx) xxx) xxx) xxx. |  |  |  | Reviewer Comment (2026-01-16): Bank statements and credit statements provided evidencing the debts were paid form borrowers account.<br>Reviewer Comment (2026-01-07): Provided Bank Statement account numbers does not match with these accounts numbers 1) xxx) xxx) xxx) xxx. to confirm that debts were paid off by borrower funds & suffice to DTI discrepancy please provided relevant document to clear the exception. Exception Remains.<br>Buyer Comment (2026-01-05): 01/05-Please see attached | 1/xx/2026 11:12:31 AM |  |  | 1 C A | 12/xx/2025 | CA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 706 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 5:52:31 PM | 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 $5,160.00 exceeds tolerance of $4,008.00 plus 10% or $4,408.80. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2025-12-29): Sufficient Cure Provided At Closing |  | 12/xx/2025 1:33:37 PM |  | 1 A | 12/xx/2025 | CA | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| 658 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 8:53:56 PM | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxx | Spousal Consent Form is Missing. |  |  |  | Reviewer Comment (2026-02-11): Spousal consent received.<br>Buyer Comment (2026-02-11): Signed by spouse<br>Reviewer Comment (2026-01-06): Subject property is located in AZ, which is a community property state requiring spousal consent.<br>Buyer Comment (2026-01-05): The borrower currently resides at xxx. Nebraska is non spousal state. The spouse is required to sign in AK, AZ, ID, LA, NV, NM, TX. WA, WI & CA | 2/xx/2026 5:27:01 PM |  |  | 1 C A | 12/xx/2025 | AZ | Investment | Purchase | C A |  | N/A | No |
| 658 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 8:53:56 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent Form is Missing. |  |  |  | Reviewer Comment (2026-02-11): Spousal consent received.<br>Buyer Comment (2026-02-11): Signed by spouse<br>Reviewer Comment (2026-01-06): Subject property is located in AZ, which is a community property state requiring spousal consent.<br>Buyer Comment (2026-01-05): The borrower currently resides at xxx. Nebraska is non spousal state. The spouse is required to sign in AK, AZ, ID, LA, NV, NM, TX. WA, WI & CA | 2/xx/2026 5:27:05 PM |  |  | 1 C A | 12/xx/2025 | AZ | Investment | Purchase | C A |  | N/A | No |
| 670 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 2:46:23 PM | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provided Hazard Insurance coverage is not covering the Loan amount. additional Coverage is Required in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Reserves: 16.98<br> Guideline Requirement: 0.00

# of Properties Completed: 12<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited): 12 | SitusAMC<br>SitusAMC | Reviewer Comment (2026-01-20): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-01-16): 01/16-Please see attached policy renewal reflecting sufficient coverage- Lender would like to elect to waive to an EV2 |  |  | 1/xx/2026 8:26:25 AM | 2 C B | 12/xx/2025 | SC | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 626 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 2:46:23 PM | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than 30 days of the Note Date and does not have automatic renewal. |  |  |  |  |  | Reviewer Comment (2026-01-13): Provided renewed policy with expiration date of 01/xx/2027. Exception cleared.<br>Buyer Comment (2026-01-09): 01/09-Please see attached | 1/xx/2026 4:26:57 AM |  |  | 1 C A | 12/xx/2025 | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 718 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:53:29 PM | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (2026-01-15): Title Final received. Exception cleared. | 1/xx/2026 1:28:39 AM |  |  | 1 A | 12/xx/2025 | CA | Investment | Purchase | D A |  | N/A | No |
| 718 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:53:29 PM | 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 (2026-01-15): Title Final received and coverage amount updated. Exception cleared.<br>Buyer Comment (2026-01-13): final title | 1/xx/2026 1:27:22 AM |  |  | 1 B A | 12/xx/2025 | CA | Investment | Purchase | D A |  | N/A | No |
| 718 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:53:29 PM | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Required for the borrowing Trust. |  |  |  | Reviewer Comment (2026-01-12): OFAC received and verified - Exception cleared.<br>Buyer Comment (2026-01-08): fraud summary | 1/xx/2026 4:26:46 PM |  |  | 1 C A | 12/xx/2025 | CA | Investment | Purchase | D A |  | N/A | No |
| 718 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:53:29 PM | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide final HUD 1/Closing Statement. Must be fully exacted and/or stamped true and certified by title representative. All copies provided are estimates. |  |  |  | Reviewer Comment (2026-01-12): Received Final HUD statement verified the details and updated - Exception Cleared.<br>Buyer Comment (2026-01-08): final SS | 1/xx/2026 4:13:50 PM |  |  | 1 D A | 12/xx/2025 | CA | Investment | Purchase | D A |  | N/A | No |
| 697 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:40:49 PM | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction – business entity is missing. |  |  |  | Reviewer Comment (2026-01-12): Received OFAC search for business entity. Verified and updated details. Exception Cleared.<br>Buyer Comment (2026-01-08): Clear OFAC for LLC. attached. Thank you. | 1/xx/2026 2:07:59 PM |  |  | 1 C A | 12/xx/2025 | OH | Investment | Purchase | C B A |  | N/A | No |
| 697 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:40:49 PM | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.72 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | 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. | Reserves: 11.37<br> Guideline Requirement: 0.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 782 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-01-23): Lender approved exception POST CLOSE to waive with compensating factors of FICO over 40 point of required min and reserves of greater than 4 months of the required minimum.<br>Buyer Comment (2026-01-22): Exception attached. Thank you.<br>Reviewer Comment (2026-01-12): Received lease agreement is not signed by landlord. Require fully executive lease agreement. Exception Remains.<br>Buyer Comment (2026-01-08): Please find attached lease w/rental deposit & security. Thank you. |  |  | 1/xx/2026 1:17:22 PM | 2 C B | 12/xx/2025 | OH | Investment | Purchase | C B A |  | N/A | No |
| 636 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:16:22 PM | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2026-01-14): Fraud Report received and verified the details. Exception Cleared.<br>Buyer Comment (2026-01-12): fraud summary<br>Buyer Comment (2026-01-12): fraud | 1/xx/2026 3:39:13 AM |  |  | 1 C A | 12/xx/2025 | KS | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 636 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:16:22 PM | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxx |  |  |  |  | Reviewer Comment (2026-01-14): Fraud Report received and verified the details. Exception Cleared.<br>Buyer Comment (2026-01-12): see attached fraud | 1/xx/2026 3:39:08 AM |  |  | 1 C A | 12/xx/2025 | KS | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 621 | xxx | xxx | xxx |  | xxx | xxx | 9/xx/2025 6:42:39 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is missing. |  |  |  | Reviewer Comment (2025-10-03): Articles of Org<br>Buyer Comment (2025-10-01): please see | 10/xx/2025 10:58:49 AM |  |  | 1 C A | 9/xx/2025 | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 621 | xxx | xxx | xxx |  | xxx | xxx | 9/xx/2025 6:42:39 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (2025-10-03): Certificate of Good Standing<br>Buyer Comment (2025-10-01): please see | 10/xx/2025 10:58:49 AM |  |  | 1 C A | 9/xx/2025 | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 621 | xxx | xxx | xxx |  | xxx | xxx | 9/xx/2025 6:42:39 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Operating Agreement is missing. |  |  |  | Reviewer Comment (2025-10-03): Operating Agreement<br>Buyer Comment (2025-10-01): please see | 10/xx/2025 10:58:49 AM |  |  | 1 C A | 9/xx/2025 | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 621 | xxx | xxx | xxx |  | xxx | xxx | 9/xx/2025 6:42:39 PM | 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. |  | Primary address is not provided on Certificate of Non-Owner Occupied disclosure. |  |  |  | Reviewer Comment (2025-10-07): NOO Cert<br>Reviewer Comment (2025-10-07): Address added to the document.<br>Buyer Comment (2025-10-03): Please see Borrowers primary address added to section 4A. Thank you. | 10/xx/2025 12:52:42 PM |  |  | 1 C A | 9/xx/2025 | IN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 652 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 5:33:46 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide appraisal invoice for transferred appraisal. |  |  |  | Reviewer Comment (2025-12-17): Appraisal invoice for transferred appraisal received and verified the details. Exception Cleared.<br>Buyer Comment (2025-12-15): appraisal receipt | 12/xx/2025 2:44:13 AM |  |  | 1 C A | 11/xx/2025 | FL | Investment | Purchase | C A |  | N/A | No |
| 622 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 5:11:33 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-12-31): Corporation formed within last 12 months, exception cleared.<br>Buyer Comment (2025-12-29): Evidence of good standing (not required for corporations formed within the last 12 months | 12/xx/2025 2:41:24 AM |  |  | 1 C A | 12/xx/2025 | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 622 | xxx | xxx | xxx |  | xxx | xxx | 12/xx/2025 5:11:33 PM | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date 12/xx/2025, Disbursement Date: 12/xx/2025 |  |  |  |  | Reviewer Comment (2026-01-09): Received Hazard Insurance. Exception Cleared.<br>Buyer Comment (2026-01-07): HOI | 1/xx/2026 3:58:01 AM |  |  | 1 C A | 12/xx/2025 | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 673 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 4:43:39 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination with compensating factors of reserves and DSCR ratio over 1.15: 13 of the 21 units are investor owned units which is 61.90% while guidelines allow Investor concentration up to 60%. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Debt Service Coverage Ratio: 2.41<br> Guideline Requirement: 1.00<br>Reserves: 18.58<br> Guideline Requirement: 0.00 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-01-09): Original guidelines required a higher score, in this instance please capture the higher score requirement. |  |  | 1/xx/2026 11:55:55 AM | 2 B | 12/xx/2025 | NY | Investment | Purchase | B A |  | N/A | No |
| 690 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:51:32 PM | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $xx. Provide updated policy reflecting minimum coverage of $xx OR provide copy of insurer's replacement cost estimate supporting current coverage amount |  |  |  | Reviewer Comment (2026-01-23): Received replacement cost estimator. Exception cleared.<br>Buyer Comment (2026-01-21): RCE | 1/xx/2026 3:02:03 AM |  |  | 1 C A | 1/xx/2026 | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 682 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:51:32 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of ownership percentage of the borrowing entity. |  |  |  | Reviewer Comment (2026-02-10): Received Shareholder agreement with ownership percentage of the borrowing entity. Exception Cleared.<br>Buyer Comment (2026-02-06): shareholder agreement<br>Reviewer Comment (2026-01-23): Shareholder agreement provided however not executed by borrower. Please provide executed copy. Exception remains.<br>Buyer Comment (2026-01-21): shareholder agreement | 2/xx/2026 2:48:26 AM |  |  | 1 C A | 1/xx/2026 | NY | Investment | Purchase | C A |  | N/A | No |
| 707 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided |  | Missing the filed Articles of Incorporation. |  |  |  | Reviewer Comment (2026-01-29): Articles of Incorporation provided with initial package. Exception Cleared.<br>Buyer Comment (2026-01-27): certificate of Inc. | 1/xx/2026 2:42:48 AM |  |  | 1 C A | 1/xx/2026 | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 707 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Provide fully executed Bylaws. Copy provided is unsigned. |  |  |  | Reviewer Comment (2026-01-29): Received Signed bylaws. Exception Cleared.<br>Buyer Comment (2026-01-27): executed by-laws signed on first page | 1/xx/2026 2:43:27 AM |  |  | 1 C A | 1/xx/2026 | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 743 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 7:09:43 PM | 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. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-01-28): Received Non-Owner occupancy certificate with address. Exception Cleared.<br>Buyer Comment (2026-01-26): Non-Owner | 1/xx/2026 4:05:45 AM |  |  | 1 C A | 1/xx/2026 | AL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 738 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:24:22 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide UW Discretion for borrower living rent free with non spouse. |  |  |  | Reviewer Comment (2026-01-30): Received 1008 with underwriter's comment. Exception Cleared.<br>Buyer Comment (2026-01-28): UW discretion | 1/xx/2026 2:59:04 AM |  |  | 1 C A | 1/xx/2026 | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 738 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:24:22 PM | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a fully executed document giving the Guarantor full signing authority. Must be signed by all of the entity owners. |  |  |  | Reviewer Comment (2026-01-30): Received Signing Authorization. Exception Cleared.<br>Buyer Comment (2026-01-28): resolution | 1/xx/2026 4:36:50 AM |  |  | 1 C A D | 1/xx/2026 | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 777 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of good standing was not in file. |  |  |  | Reviewer Comment (2026-02-03): Received Certificate of good standing in the file. Exception Cleared.<br>Buyer Comment (2026-01-30): Please accept in place of a cert of good standing as document reflects the same information. Thank you. | 2/xx/2026 2:01:25 AM |  |  | 1 C A | 1/xx/2026 | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 777 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing protection letter was not in file. |  |  |  | Reviewer Comment (2026-02-04): Received email confirmation from title company stating Closing Protection Letter is not being provided by the title company in the state of NY. Exception cleared.<br>Buyer Comment (2026-02-02): Please see attached from Title Co. Thank you.<br>Buyer Comment (2026-02-02): Please note the following in NY - Per title company CPL letters are not a requirement only E&O's. Thank you. | 2/xx/2026 2:24:00 AM |  |  | 1 C A | 1/xx/2026 | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 661 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated provided |  |  |  | Reviewer Comment (2026-02-09): Received Final Closing Statement in the file. Exception Cleared.<br>Buyer Comment (2026-02-05): 02/05-Please see attached | 2/xx/2026 4:41:07 AM |  |  | 1 D A | 1/xx/2026 | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 734 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:26:27 PM | 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. |  | Certificate of Non-Owner Occupied disclosure does not show the borrower's principle address. |  |  |  | Reviewer Comment (2026-02-03): The Certificate of Non-Owner Occupied received showing the borrower(s) at different address than the subject. Exception Cleared.<br>Buyer Comment (2026-01-30): 01/30-Please see attached | 2/xx/2026 1:38:41 AM |  |  | 1 C A | 1/xx/2026 | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 643 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | The original lease agreement is missing from the file. The file has the lease agreement addendum 2 with a breakdown of the initial deposit and rents paid since commencement. |  |  |  | Reviewer Comment (2026-02-12): Lease agreement received in the file. Exception Cleared.<br>Buyer Comment (2026-02-10): lease | 2/xx/2026 1:17:17 AM |  |  | 1 C A | 1/xx/2026 | UT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 643 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | The title report indicates two existing liens secured by the subject property in 11/2024 and those same debts were paid off at closing on the Closing Statement. The file is missing the 12 month payment history for each lien required by the guidelines. |  |  |  | Reviewer Comment (2026-02-12): D0148 & D0150 report the notes had a balloon payment; No payments made. D0191 payoffs confirm no payments. Exception Cleared.<br>Buyer Comment (2026-02-10): D0148 & D0150 report the notes had a balloon payment; No payments made. D0191 payoffs confirm no payments. | 2/xx/2026 1:22:34 AM |  |  | 1 C A | 1/xx/2026 | UT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 783 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: 2253.00 | Please provide evidence of release of tax debt for $2,253.00. |  |  |  | Reviewer Comment (2026-02-04): Received tax lien payment receipt. Exception cleared.<br>Buyer Comment (2026-02-02): judgement paid | 2/xx/2026 2:32:13 AM |  |  | 1 B A | 1/xx/2026 | OH | Investment | Purchase | C A |  | N/A | No |
| 783 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $xxx is less than Cash From Borrower $xxx. | Borrower has insufficient funds to close. The business funds from the non-borrowing business entity is missing documentation to verify the guarantor owns at least 25% of the business on the bank statement. |  |  |  | Reviewer Comment (2026-02-04): Provided appraisal invoice paid by credit card. Exception cleared.<br>Buyer Comment (2026-02-02): final inspection paid by CC<br>Buyer Comment (2026-02-02): appraisal invoice paid by CC<br>Buyer Comment (2026-02-02): Credit report paid by CC | 2/xx/2026 2:32:43 AM |  |  | 1 C A | 1/xx/2026 | OH | Investment | Purchase | C A |  | N/A | No |
| 639 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: Gift Funds // Account Type: Gift Funds / Account Number: \*\*\*\* | Asset Document date is more than 90 days prior to the Note date. |  |  |  | Reviewer Comment (2026-02-06): Received Gift Letter. Exception Cleared.<br>Buyer Comment (2026-02-04): gift letter<br>Reviewer Comment (2026-02-04): Gift letter D0193 located in the file is missing document date.<br>Buyer Comment (2026-02-02): D0329 gift funds and deposited D0195 | 2/xx/2026 2:33:53 AM |  |  | 1 C A | 1/xx/2026 | NY | Investment | Purchase | C A |  | N/A | No |
| 639 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  |  |  |  |  | Reviewer Comment (2026-02-06): Received Gift Letter. Exception Cleared.<br>Buyer Comment (2026-02-04): see attached gift letter<br>Reviewer Comment (2026-02-04): Gift letter D0193 located in the file is missing document date.<br>Buyer Comment (2026-02-02): D0193 gift letter | 2/xx/2026 2:33:37 AM |  |  | 1 C A | 1/xx/2026 | NY | Investment | Purchase | C A |  | N/A | No |
| 639 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower is living rent free with a non-spouse, and the file is missing the underwriter discretion. |  |  |  | Reviewer Comment (2026-02-06): Received Property history report and tax lien document. Borrower owns the property. Exception Cleared.<br>Buyer Comment (2026-02-04): lien search<br>Buyer Comment (2026-02-04): Property profile<br>Buyer Comment (2026-02-04): Disregard previous 1008; Borrower owns the property; see attached property profile and lien search<br>Reviewer Comment (2026-02-04): Received uw discretion for borrower living rent free. Provide a detailed letter of explanation from the person the borrower is living with confirming their relationship and that they are living rent free and the time frame. Exception remains<br>Buyer Comment (2026-02-02): uw discretion | 2/xx/2026 3:10:23 AM |  |  | 1 C A | 1/xx/2026 | NY | Investment | Purchase | C A |  | N/A | No |
| 764 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | Bylaws is missing in the file | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The DSCR of 1.45 is greater than the minimum required DSCR of 1.00.<br>Guidelines Representative FICO: 660<br> Representative FICO: 736 | SitusAMC,Originator<br>Originator,SitusAMC | Reviewer Comment (2026-02-16): Waived with compensating factors per lender approved exception received post-consummation.<br>Buyer Comment (2026-02-12): Please see exception attached. Thank you.<br>Reviewer Comment (2026-02-10): Require Bylaws in the file. Provided document is Organizational minutes. Exception Remains.<br>Buyer Comment (2026-02-06): Please refer to item #4 & item #8 of the document attached. Giving the Borrower 100% control. Thank you. |  |  | 2/xx/2026 3:20:43 PM | 2 C B | 1/xx/2026 | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 745 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is not provided in file |  |  |  | Reviewer Comment (2026-02-09): Received Certificate of Good Standing in the file. Exception Cleared.<br>Buyer Comment (2026-02-05): Cogs | 2/xx/2026 4:20:36 AM |  |  | 1 C A | 1/xx/2026 | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 745 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The separated guarantor that lives with the other guarantor, lives rent free with a non-spouse. The file is missing the UW discretion approval. |  |  |  | Reviewer Comment (2026-02-09): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-02-05): UW discretion | 2/xx/2026 4:24:51 AM |  |  | 1 C A | 1/xx/2026 | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 786 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | File is missing Certificate of Good Standing dated within 90 days of Note date. |  |  |  | Reviewer Comment (2026-02-05): Received Certificate of good standing in the file. Exception Cleared.<br>Buyer Comment (2026-02-03): Please accept in place of the cert of good standing. Thank you. | 2/xx/2026 2:12:48 AM |  |  | 1 C A | 1/xx/2026 | TX | Investment | Purchase | C A |  | N/A | No |
| 761 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | 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 (2026-02-10): Received final signed closing statement. Exception Cleared.<br>Buyer Comment (2026-02-06): Please see the one page of the HUD-1. Thank you.<br>Buyer Comment (2026-02-06): Please see HUD-1 attached. Thank you. | 2/xx/2026 4:08:44 AM |  |  | 1 C A | 1/xx/2026 | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 748 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:44:10 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | # of Properties Completed: 12<br> # of Projects (last 24 months): <br> # of Renovation Projects Completed (purchased and exited):<br>Guidelines Representative FICO: 700<br> Representative FICO: 783 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-16): Waived with compensating factors per lender approved exception post-consummation.<br>Buyer Comment (2026-02-12): Please see exception attached.<br>Reviewer Comment (2026-02-10): Provided document is certificate of filing and not Articles of Organization/Formation. Provide Articles of Organization/Formation. Exception remains<br>Buyer Comment (2026-02-06): Please see the "Cert of filing" aka Articles of Org attached. Thank you. |  |  | 2/xx/2026 3:18:35 PM | 2 C B | 1/xx/2026 | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 691 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Provide the original Operating Agreement. Copy provided is an amended copy. |  |  |  | Reviewer Comment (2026-02-09): Received Operating Agreement. Exception Cleared.<br>Buyer Comment (2026-02-06): Please see attached reflecting sole member ownership and only most recent OA required | 2/xx/2026 4:36:48 AM |  |  | 1 C A | 1/xx/2026 | GA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 691 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-02-09): Received Closing statement. Exception Cleared.<br>Buyer Comment (2026-02-05): 02/05-Please see attached | 2/xx/2026 4:31:47 AM |  |  | 1 D A | 1/xx/2026 | GA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 689 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The Hazard Insurance policy did not list Lender or Servicer as mortgagee. Please provide an updated policy disclosing Champions (with an S) Funding, ISAOA /ATIMA as the mortgage for the subject property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2026-02-23): Received HOI with complete lender mortgagee clause.<br>Reviewer Comment (2026-02-23): Lender provided HOI with correct mortgagee clause.<br>Reviewer Comment (2026-02-19): Waived with compensating factors per lender request. | 2/xx/2026 4:54:32 PM |  |  | 1 C A | 1/xx/2026 | NY | Investment | Purchase | C A |  | N/A | No |
| 788 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a current Certificate of Good Standing. |  |  |  | Reviewer Comment (2026-02-06): Business Entity formed within the last 12 months. Exception Cleared.<br>Buyer Comment (2026-02-04): Evidence of good standing (not required for LLCs formed within the last 12 months) | 2/xx/2026 2:42:59 AM |  |  | 1 C A | 1/xx/2026 | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 664 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a corrected settlement statement. Copy in file reflects loan closed on 01/xx/2026 and disbursed on 01/xx/2026. Provide final closing statement with accurate disbursement date. |  |  |  | Reviewer Comment (2026-03-02): Final SS.<br>Buyer Comment (2026-02-27): please see SS signed by borrower<br>Reviewer Comment (2026-02-25): The provided HUD-1 is with the correct disbursement date however not executed by borrower. Provide a final HUD-1/Closing Statement signed by all parties or stamped true and certified by title agent. Exception remains.<br>Buyer Comment (2026-02-23): Please see attached<br>Reviewer Comment (2026-02-13): Received only first page of HUD-1. Required complete executed HUD-1. Exception remains.<br>Buyer Comment (2026-02-11): Please see attached with Disbursement date as 1/xx/2026<br>Reviewer Comment (2026-02-09): Provided HUD document reflects disbursement date as 01/xx/2026. Require final HUD/CD with accurate disbursement date. Exception Remains.<br>Buyer Comment (2026-02-05): The disbursement date is reflecting correctly as 1/23. Please clear it.<br>Reviewer Comment (2026-02-05): Provided HUD document already in file at initial review. Please provide final closing statement with accurate disbursement date. Exception remains.<br>Buyer Comment (2026-02-03): Please see attached Final HUD | 3/xx/2026 3:14:46 PM |  |  | 1 D A | 1/xx/2026 | NY | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 739 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access Document is Missing for Business "xxx". |  |  |  | Reviewer Comment (2026-02-05): Received Evidence of Access to funds for account #8426. Exception Cleared.<br>Buyer Comment (2026-02-03): operating agreement | 2/xx/2026 1:44:47 AM |  |  | 1 C A | 1/xx/2026 | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 739 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $xxx is less than Cash From Borrower $xxx. | Borrower is short funds to close. Unable to use business assets due to missing ownership and percentage of ownership for the bank statement in the file. Please provide an operating agreement or any other supporting document to verify ownership related to bank statement ending in xxx. |  |  |  | Reviewer Comment (2026-02-05): Received Evidence of Access to funds for account #8426, Closing requirement met. Exception Cleared.<br>Buyer Comment (2026-02-03): see attached operating agreement<br>Buyer Comment (2026-02-03): appraisal paid by CC | 2/xx/2026 1:43:58 AM |  |  | 1 C A | 1/xx/2026 | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 770 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for trust entity. |  |  |  | Reviewer Comment (2026-02-11): Received OFAC Search. Exception cleared.<br>Buyer Comment (2026-02-09): Fraud<br>Reviewer Comment (2026-02-06): Received fraud report does not reflect OFAC search for trust entity. exception Remains.<br>Buyer Comment (2026-02-04): ofac | 2/xx/2026 5:11:30 AM |  |  | 1 C A | 1/xx/2026 | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 716 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Provide evidence of signing authority for the borrowing entity. Borrower certificate is not signed by all owners of the entity. |  |  |  | Reviewer Comment (2026-02-09): Operating agreement reflects no other member shall have authority to bind the company unless expressly authorized in writing by the managing member. Exception Cleared.<br>Buyer Comment (2026-02-05): 02/05-Please see attached from the Operating Agreement giving our borrower authorization to act solely on behalf of the company | 2/xx/2026 5:43:13 AM |  |  | 1 C A | 1/xx/2026 | NC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 729 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:55:15 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title reflects delinquent taxes from 2024. Provide verification that these have been paid in full. |  |  |  | Reviewer Comment (2026-02-13): Paid off evidence of taxes for 2024 received and verified the details. Exception Cleared.<br>Buyer Comment (2026-02-11): email from title<br>Buyer Comment (2026-02-11): Tax payment for 2024<br>Reviewer Comment (2026-02-11): Title reflects delinquent taxes in the amount of $2,682.76 for tax year 2024 and $3,337.54 for tax year 2025. It cannot be verified whether the taxes shown as paid on the HUD pertain to the 2024 or 2025 tax. Exception remains<br>Buyer Comment (2026-02-09): D0171 reports payoff delinquent taxes $3169.06. | 2/xx/2026 5:45:17 AM |  |  | 1 C A | 1/xx/2026 | NE | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 728 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:55:15 PM | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 01/xx/2026; Lien Position: 1 |  |  |  |  | Reviewer Comment (2026-02-19): Received CDA. Exception Cleared.<br>Buyer Comment (2026-02-17): CDA | 2/xx/2026 3:28:38 AM |  |  | 1 D A | 1/xx/2026 | NY | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 728 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:55:15 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing verification of November and December 2025 and January 2026 payments on primary residence. |  |  |  | Reviewer Comment (2026-02-11): Received credit supplement report for verification of mortgage payments on primary residence for November 2025 and December 2025. Exception cleared.<br>Buyer Comment (2026-02-09): credit supplement | 2/xx/2026 4:04:13 AM |  |  | 1 C A | 1/xx/2026 | NY | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 728 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:55:15 PM | 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. |  |  |  |  |  | Reviewer Comment (2026-02-11): Certificate of Non-Owner Occupied showing borrower at an different address. Exception cleared.<br>Buyer Comment (2026-02-09): Non-Owner | 2/xx/2026 4:05:09 AM |  |  | 1 C A | 1/xx/2026 | NY | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
| 760 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:55:15 PM | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is required for all parties involved in the transaction – missing both business entities. |  |  |  | Reviewer Comment (2026-02-12): Received Fraud Report with OFAC. Exception Cleared.<br>Buyer Comment (2026-02-10): fraud | 2/xx/2026 12:26:00 AM |  |  | 1 C A | 1/xx/2026 | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 760 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:55:15 PM | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 668 is less than Guideline representative FICO score of 680. | Minimum FICO 680 for first time investors. |  |  |  | Reviewer Comment (2026-02-23): Provided deed and operating agreement which proves that the borrower is not a first time investor. Exception cleared.<br>Buyer Comment (2026-02-19): operating agreement<br>Buyer Comment (2026-02-19): AOO<br>Reviewer Comment (2026-02-19): Require operating agreement for XX to verify the borrower ownership. Exception remains.<br>Buyer Comment (2026-02-17): deed<br>Reviewer Comment (2026-02-12): Provided deed is not executed. Please provide Deed with all pages. Exception Remains.<br>Buyer Comment (2026-02-10): evidence borrower is experienced investor | 2/xx/2026 4:53:22 AM |  |  | 1 C A | 1/xx/2026 | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 699 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:03:06 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Document provided is dated more than 90 days from the Note date. |  |  |  | Reviewer Comment (2026-02-16): Received business entity document dated 01/xx/2026 shows business as active. Exception cleared.<br>Buyer Comment (2026-02-12): Please find in place of cert of good standing as document reflects the same information. Thank you. | 2/xx/2026 2:16:30 AM |  |  | 1 C A | 1/xx/2026 | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 765 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:17:42 PM | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Provide OFAC for the borrowing Trust. |  |  |  | Reviewer Comment (2026-03-04): Received OFAC for the borrowing Trust. Exception cleared.<br>Buyer Comment (2026-03-02): Please see clear ofac attached. Thank you. | 3/xx/2026 4:28:51 AM |  |  | 1 C A | 2/xx/2026 | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 765 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:17:42 PM | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-03-04): Received certified final closing statement. Exception cleared.<br>Buyer Comment (2026-03-02): Final stamped HUD-1 attached. Thank you. | 3/xx/2026 4:30:52 AM |  |  | 1 D A | 2/xx/2026 | CA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 780 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:17:42 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-03-04): Received UW discretion in the file for borrower living rent free with someone. Exception Cleared.<br>Buyer Comment (2026-03-02): Underwriters 1008 with rent free comments. Thank you. | 3/xx/2026 4:53:58 AM |  |  | 1 C A | 2/xx/2026 | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 755 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 7:55:19 PM | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  |  | Reviewer Comment (2026-03-06): Received clear OFAC for business entity. Exception cleared.<br>Buyer Comment (2026-03-04): Please find clear OFAC attached. Thank you. | 3/xx/2026 1:22:05 AM |  |  | 1 C A | 2/xx/2026 | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 820 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 7:19:37 PM | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 29692.00 |  |  |  |  | Reviewer Comment (2026-03-03): Received lien release for judgment $29,692. Exception cleared.<br>Buyer Comment (2026-02-27): lien release | 3/xx/2026 2:36:30 AM |  |  | 1 B A | 2/xx/2026 | NV | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 797 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 7:19:37 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing 12 month housing history for primary residence. |  |  |  | Reviewer Comment (2026-03-10): Received full paid tax receipt for the primary residence. Exception cleared.<br>Buyer Comment (2026-03-06): Please see attached taxes paid thru 1/2026 & current. Thank you.<br>Reviewer Comment (2026-03-04): Required proof of property taxes are paid current for the most recent property tax year. Exception Remains.<br>Buyer Comment (2026-03-02): Please see attached lien history & property profile as Borrowers has not had a mtg since 8/2024. Thank you. | 3/xx/2026 2:54:11 AM |  |  | 1 C A | 2/xx/2026 | TX | Investment | Purchase | C A |  | N/A | No |
| 663 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 7:19:37 PM | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent-free letter was in the file, however, UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-03-04): Provided 1008 form with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-03-02): UW discretion | 3/xx/2026 4:24:17 AM |  |  | 1 C A D | 2/xx/2026 | FL | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 634 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 7:19:37 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Provide a current Certificate of Good Standing dated within 90 days of the Note. |  |  |  | Reviewer Comment (2026-03-06): As per provided guidelines Certificate of good standing is not requires, if the LLC is formed within 12 months. Exception Cleared.<br>Buyer Comment (2026-03-04): Situs, PLEASE note per xx guidelines the LLC. was formed less than 12mths ago hence a cert of good standing cannot be provided. Thank you. | 3/xx/2026 3:32:56 AM |  |  | 1 C A | 2/xx/2026 | NJ | Investment | Purchase | C A |  | N/A | No |
| 801 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:14:37 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Notary's commission expiration date is missing from the Security Instrument. |  |  |  | Reviewer Comment (2026-03-06): Provided security instrument with the Notary's commission expiration date. Exception cleared.<br>Buyer Comment (2026-03-04): DOT | 3/xx/2026 12:56:13 AM |  |  | 1 C A | 2/xx/2026 | WV | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 801 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:14:37 PM | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-04): Executed Final Closing Statement received and verified the details. Exception Cleared.<br>Buyer Comment (2026-03-02): Final SS | 3/xx/2026 4:52:26 AM |  |  | 1 D A | 2/xx/2026 | WV | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 815 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 8:34:54 PM | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Rent-free letter was in the file, however, evidence of the LLPA and UW Discretion is required for borrower living rent-free with someone other than spouse. |  |  |  | Reviewer Comment (2026-03-09): Provided evidence of the LLPA and UW Discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-03-05): lock<br>Buyer Comment (2026-03-05): UW discretion | 3/xx/2026 2:46:53 AM |  |  | 1 C A D | 2/xx/2026 | SC | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 806 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 8:34:54 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence of UW discretion for borrower living rent free with other than a spouse. |  |  |  | Reviewer Comment (2026-03-09): Received UW discretion for borrower living rent free. Exception cleared.<br>Buyer Comment (2026-03-05): uw discretion | 3/xx/2026 2:55:09 AM |  |  | 1 C A | 2/xx/2026 | NY | Investment | Purchase | C A |  | N/A | No |
| 811 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:30:02 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  |  |  |  |  | Reviewer Comment (2026-03-12): Received revised final 1003 and guarantor agreement stating borrower is unmarried. Hence, Spousal consent not required in the file. Exception Cleared.<br>Buyer Comment (2026-03-10): Borrower is not married; see revised guaranty and Final signed 1003<br>Buyer Comment (2026-03-10): revised 1003 and Guaranty | 3/xx/2026 5:10:35 AM |  |  | 1 C A | 2/xx/2026 | AZ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 811 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:30:02 PM | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxx | Missing spousal consent. |  |  |  | Reviewer Comment (2026-03-12): Received revised final 1003 and guarantor agreement stating borrower is unmarried. Hence, Spousal consent not required in the file. Exception Cleared.<br>Buyer Comment (2026-03-10): see attached docs | 3/xx/2026 5:10:04 AM |  |  | 1 C A | 2/xx/2026 | AZ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 811 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:30:02 PM | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is an estimated closing statement. |  |  |  | Reviewer Comment (2026-03-13): Received Final Closing Statement with Certified True and Correct Copy stamp in the file. Exception Cleared.<br>Buyer Comment (2026-03-11): Final SS | 3/xx/2026 2:56:19 AM |  |  | 1 D A | 2/xx/2026 | AZ | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 625 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:30:02 PM | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Unable to verify 12 months' housing history for the primary residence. Please provide a Verification of Mortgage or payment history for the xxx residence. Underwriter discretion may apply. |  |  |  | Reviewer Comment (2026-03-12): Per the property profile report, the borrower owned their primary residence free and clear until January 2026. Proof of payment confirming that the property taxes for tax year 2025 are current was provided in the initial package. Exception Cleared.<br>Buyer Comment (2026-03-10): See attached property profile. Borrower owned their primary residence free and clear until Jan 2026. first payment would not have been due until Feb 2026.<br>Buyer Comment (2026-03-10): property profile report. | 3/xx/2026 5:28:19 AM |  |  | 1 C A D | 2/xx/2026 | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 813 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:30:02 PM | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing Protection Letter is Missing in loan file. |  |  |  | Reviewer Comment (2026-03-13): Received Closing Protection Letter. Exception Cleared.<br>Buyer Comment (2026-03-11): cpl | 3/xx/2026 3:22:32 AM |  |  | 1 C A | 2/xx/2026 | MA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 813 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:30:02 PM | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide the final Closing Statement fully executed by the all parties or stamped true and certified. Copy provided is not signed by all parties. |  |  |  | Reviewer Comment (2026-03-13): Received Final Closing Statement. Exception Cleared.<br>Buyer Comment (2026-03-11): Final SS | 3/xx/2026 3:19:07 AM |  |  | 1 D A | 2/xx/2026 | MA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 774 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:53:12 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for borrower living rent free. |  |  |  | Reviewer Comment (2026-03-13): Provided 1008 form with underwriter discretion for occupancy. Exception cleared.<br>Buyer Comment (2026-03-11): UW discretion | 3/xx/2026 3:26:11 AM |  |  | 1 C A | 2/xx/2026 | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 774 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:53:12 PM | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Estimated is provided. Missing final closing statement. |  |  |  | Reviewer Comment (2026-03-13): Received final closing statement. Exception cleared.<br>Buyer Comment (2026-03-11): Final SS | 3/xx/2026 3:29:03 AM |  |  | 1 C A | 2/xx/2026 | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 791 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:53:12 PM | 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. |  | Missing the signature page. |  |  |  | Reviewer Comment (2026-03-13): Received Occupancy Certificate. Exception Cleared.<br>Buyer Comment (2026-03-11): Non-Owner | 3/xx/2026 3:42:11 AM |  |  | 1 C A | 2/xx/2026 | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 803 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 8:30:54 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the business entity. |  |  |  | Reviewer Comment (2026-03-13): Received OFAC for the borrowing entity in the file. Exception Cleared.<br>Buyer Comment (2026-03-11): ofac search | 3/xx/2026 3:10:01 AM |  |  | 1 C A | 2/xx/2026 | SC | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 631 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 8:04:02 PM | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxx, Address: xxx, Address: xxxInsurance Verification<br> Statement<br> Insurance Verification, Statement, Tax Verification |  |  |  |  | Reviewer Comment (2025-12-05): All REO docs received. xxx new loan with xxx has not closed, approval and 1008 for the same is available. xxx is vacant land; HOI is not required, xxx is parking lot; HOI is not required. Note received for additional lien of xxx.<br>Buyer Comment (2025-12-03): xx new loan with xxx has not closed<br>Reviewer Comment (2025-12-03): Doc $494 shows xxxx and xxx are included. But it does not show the premium amounts for these two or total premium. It only shows the premium for properties 15-18 additional total premium for adding these properties.<br>Please provide insurance showing premium for these two properties- xxxxand xxxx . Also provide xxx funding closing disclosure for new loan from - xxxx.<br>Buyer Comment (2025-12-01): xxx tax cert<br>Buyer Comment (2025-12-01): xxx mtg statement<br>Buyer Comment (2025-12-01): xx Note<br>Buyer Comment (2025-12-01): xx HOI D0494<br>Reviewer Comment (2025-12-01): Mortgage Statement provided is already updated require 1963 E xx St- Mortgage Statement,xx Avenue- Insurance verification, xx- Mortgage Statement, xxnue- Mortgage Statement & Tax verification.<br>Buyer Comment (2025-11-26): xx Ave commercial HOI<br>Buyer Comment (2025-11-26): xx Ave tax cert<br>Buyer Comment (2025-11-26): xx Tax cert Vacant land - NO HOI<br>Buyer Comment (2025-11-26): xx HOI<br>Buyer Comment (2025-11-26): xx tax cert | 12/xx/2025 4:05:47 AM |  |  | 1 C A | 11/xx/2025 | CA | Investment | Refinance - Cash-out - Other | D A C | Exempt from ATR | N/A | No |
| 631 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 8:04:02 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of REO in file. |  |  |  | Reviewer Comment (2025-12-05): All REO docs received. xxx new loan with xxx has not closed, approval and 1008 for the same is available. xxx is vacant land; HOI is not required, xxxis parking lot; HOI is not required. Note received for additional lien of xxx.<br>Buyer Comment (2025-12-03): xxx is vacant land; HOI is not required<br>Buyer Comment (2025-12-03): xxx is parking lot; HOI is not required<br>Reviewer Comment (2025-12-03): Please provide 1. Signed copy of the Note from xxx. xx funding closing disclosure for new loan from - xxx. 3. Insurance showing premium for these two properties- xxx and xxx. Doc $494 shows xxx and xx are included. But it does not show the premium amounts for these two or total premium. It only shows the premium for properties 15-18 additional total premium for adding these properties.<br>Buyer Comment (2025-12-01): see attached docs<br>Reviewer Comment (2025-12-01): Require xxx- Mortgage Statement,xxx- Insurance verification, xxx- Mortgage Statement, xxnue- Mortgage Statement & Tax verification.<br>Buyer Comment (2025-11-26): see attached docs | 12/xx/2025 4:06:22 AM |  |  | 1 C A | 11/xx/2025 | CA | Investment | Refinance - Cash-out - Other | D A C | Exempt from ATR | N/A | No |
| 631 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 8:04:02 PM | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxx Statement |  |  |  |  | Reviewer Comment (2025-12-05): Received signed Note.<br>Buyer Comment (2025-12-03): note signed<br>Reviewer Comment (2025-12-03): Provided note is not signed, please provide a signed copy of the Note from xxx.<br>Buyer Comment (2025-12-01): xxx Cross Collateral<br>Reviewer Comment (2025-12-01): Provided mortgage statement is already updated, statement is required of 2nd lien with P&I of $7036.25.<br>Buyer Comment (2025-11-26): xxx | 12/xx/2025 3:31:39 AM |  |  | 1 C A | 11/xx/2025 | CA | Investment | Refinance - Cash-out - Other | D A C | Exempt from ATR | N/A | No |
| 631 | xxx | xxx | xxx |  | xxx | xxx | 11/xx/2025 8:04:02 PM | Compliance | 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 (2025-12-01): Final closing statement received with updated fees and charges.<br>Buyer Comment (2025-11-26): Please see attached | 12/xx/2025 3:23:12 AM |  |  | 1 D A | 11/xx/2025 | CA | Investment | Refinance - Cash-out - Other | D A C | Exempt from ATR | N/A | No |
| 732 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | The file is missing the Security Instrument. |  |  |  | Reviewer Comment (2026-01-29): Received executed Security Instrument, 1-4 Family Rider and Inter Vivos Revocable Trust Rider. Exception cleared.<br>Buyer Comment (2026-01-27): PFA as requested<br>Buyer Comment (2026-01-27): PFA | 1/xx/2026 3:03:35 AM |  |  | 1 D A | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Exempt from ATR | No |
| 732 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  | Reviewer Comment (2026-01-29): Received security instrument reflecting notary date. RTC dates within compliance.<br>Buyer Comment (2026-01-27): Please re-review D0363 RTC is already provided. | 1/xx/2026 2:44:34 PM |  |  | 1 B A | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Exempt from ATR | No |
| 732 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:56:46 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination with compensating factors of FICO 40 points over min required and Residual income over $3k to allow assets under the name of trust for Asset Utilization. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00. | Guidelines Representative FICO: 640<br> Representative FICO: 802<br>Documentation Type: Asset Depletion<br> Disposable Income: $4,912.01 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-01-21): Waived with compensating factors per lender exceptions approval at origination. |  |  | 1/xx/2026 11:21:28 AM | 2 B | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | D B A | Non QM | Exempt from ATR | No |
| 681 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:24:22 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/xx/2026 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $635,264.50 is over disclosed by $50.00 compared to the calculated Amount Financed of $635,214.50 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 01/xx/2026). (Final/xx/12/2026) | Disclosed Amount Financed are $xxx. Due Diligence Amount Financed are $xxx. There is a variance of $xxx. |  |  |  | Reviewer Comment (2026-02-25): Lender provided LOE to borrower, copy of refund check, proof of delivery, and re-opening of rescission.<br>Reviewer Comment (2026-02-24): RTC was received on 2/16 and expired on 2/17. The borrower did not have three days to review before expiration. Please resend RTC and provide proof of delivery. Please allow at least three days from date of delivery to expiration date on the document.<br>Buyer Comment (2026-02-23): Please find attached doc.<br>Reviewer Comment (2026-02-18): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Buyer Comment (2026-02-17): PFA RTC as requested<br>Reviewer Comment (2026-02-02): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2026-01-30): Please see attached LOE,Check and PCCD |  | 2/xx/2026 7:36:54 PM |  | 2 C B | 1/xx/2026 | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Exempt from ATR | Exempt from ATR | No |
| 681 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:24:22 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/xx/2026 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $889,456.03 is under disclosed by $50.00 compared to the calculated Finance Charge of $889,506.03 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 01/xx/2026). (Final/xx/12/2026) | Disclosed Finance Charges are $xxx. Due Diligence Finance Charges are $xxx. There is a variance of -$xxx. |  |  |  | Reviewer Comment (2026-02-25): Lender provided LOE to borrower, copy of refund check, proof of delivery, and re-opening of rescission.<br>Buyer Comment (2026-02-25): Please see attached RTC.<br>Reviewer Comment (2026-02-24): RTC was received on 2/16 and expired on 2/17. The borrower did not have three days to review before expiration. Please resend RTC and provide proof of delivery. Please allow at least three days from date of delivery to expiration date on the document.<br>Buyer Comment (2026-02-23): Please see attached doc.<br>Reviewer Comment (2026-02-18): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Buyer Comment (2026-02-17): PFA RTC as requested<br>Reviewer Comment (2026-02-02): SitusAMC received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure and proof of mailing. As this is a Material Disclosure violation on a rescindable transaction, the reopening of rescission is also required. Please provide proof rescission reopened to all consumers.<br>Buyer Comment (2026-01-30): Please see attached LOE, PCCD and Check |  | 2/xx/2026 7:37:04 PM |  | 2 C B | 1/xx/2026 | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Exempt from ATR | Exempt from ATR | No |
| 640 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:24:22 PM | 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 $436.00 exceeds tolerance of $284.00 plus 10% or $312.40. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2026-01-23): Sufficient Cure Provided At Closing |  | 1/xx/2026 1:26:19 AM |  | 1 A | 1/xx/2026 | FL | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| 698 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 01/xx/2026; Lien Position: 1 | Secondary valuation is not provided. |  |  |  | Reviewer Comment (2026-02-02): Received CDA in file. Exception Cleared.<br>Buyer Comment (2026-01-29): CDA | 2/xx/2026 2:35:28 AM |  |  | 1 D A | 1/xx/2026 | FL | Second Home | Refinance - Rate/Term | D A C | Exempt from ATR | Exempt from ATR | No |
| 698 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $xxx exceeds tolerance of $xxx. $xxx over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Fee disclosed was last disclosed as $10,100.00 on LE but disclosed as $17,235.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-03-04): SitusAMC received detailed VCC.<br>Reviewer Comment (2026-02-27): SitusAMC received changed circumstance stating change in title vesting. Please provide additional supporting documentation to support how a change in title vesting would increase the transfer tax. Please provide documentation that reflects lender's knowledge of this change and date of that request and supporting information that supports how the change in title vesting increases this fee.<br>Buyer Comment (2026-02-27): Attached is updated COC showing detailed reason.<br>Buyer Comment (2026-02-27): The transfer tax increased on 12/08 from $10,100 to $17,100 due to a change in vesting.<br>Reviewer Comment (2026-01-29): SitusAMC received Changed Circumstance dated 12/xx/2025, but it does not give sufficient information on why the transfer tax fee was increased as appraisal value change does not impact transfer tax fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2026-01-29): Please see attached DOC<br>Buyer Comment (2026-01-29): Please see attached COC | 3/xx/2026 10:04:18 AM |  |  | 1 C A | 1/xx/2026 | FL | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| 756 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 5:41:34 PM | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 7.81031% or Final Disclosure APR of 7.83900% is equal to or greater than the threshold of APOR 6.25% + 1.5%, or 7.75000%. Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (2026-02-25): Client elected to waive.<br>Buyer Comment (2026-02-25): We accept EV 2. |  |  | 2/xx/2026 3:35:47 PM | 2 B | 1/xx/2026 | OK | Primary | Refinance - Cash-out - Other | No obvious cure B A | Exempt from ATR | Exempt from ATR | No |
| 742 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | 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 (2026-03-05): High Cost fee overage cured.<br>Reviewer Comment (2026-02-03): Reviewed compliance report received. It appears the difference in calculations is in the total loan amount used by Lender. Total loan amount is indicated as $274,304.65; however, calculated total loan amount is $270,290.00. If cure is being provided, please reach out to TPR directly prior to providing such cure.<br>Buyer Comment (2026-01-30): Please review the attached doc. | 3/xx/2026 6:23:31 PM |  |  | 1 C A | 1/xx/2026 | OH | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 742 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | 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 (2026-03-05): High Cost fee overage cured. | 3/xx/2026 6:23:38 PM |  |  | 1 C A | 1/xx/2026 | OH | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 742 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | 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 (2026-03-05): High Cost fee overage cured. | 3/xx/2026 6:23:42 PM |  |  | 1 C A | 1/xx/2026 | OH | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 742 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | 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 5.05358% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxx on a Federal Total Loan Amount of $xxx vs. an allowable total of $xxx (an overage of $xxx or xxx%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of xxx% is in excess of the allowable maximum of xxx% of the Federal Total Loan Amount. Points and Fees of $xxx on a Federal Total Loan Amount of $xxx vs. an allowable total of $xxx. |  |  |  | Reviewer Comment (2026-03-05): SitusAMC received LOE to borrower, copy of refund check, proof of mailing, and borrower choice letter indicating they want to make loan not high cost.<br>Buyer Comment (2026-03-05): Attached is signed choice letter<br>Reviewer Comment (2026-02-13): HOEPA cure provisions require the borrower to be provided with a choice prior to any refund being issued. Please provide borrower choice letter for review of this condition.<br>Buyer Comment (2026-02-11): Please see attached PCCD, LOE and Check.<br>Reviewer Comment (2026-02-09): Compliance report received. Loan amount $270,290; fees included in HOEPA calculation: Document Preparation Fee $100, Discount Points $4,353.75, Originator Compensation $7,710.58 and Underwriting Fee $1,495. Fees exceed allowable amount by $144.83. If cure is being provided to borrower, please reach out to TPR directly prior to issuing any refund.<br>Buyer Comment (2026-02-05): please see our high cost calculation |  | 3/xx/2026 6:22:31 PM |  | 2 C B | 1/xx/2026 | OH | 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 | Exempt from ATR | Exempt from ATR | No |
| 742 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | 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 (2026-03-05): High Cost fee overage cured. | 3/xx/2026 6:23:48 PM |  |  | 1 C A | 1/xx/2026 | OH | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 742 | xxx | xxx | xxx |  | xxx | xxx | 1/xx/2026 6:14:04 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence that the CPA is duly certified. |  |  |  | Reviewer Comment (2026-02-03): Evidence of CPA PTIN received.<br>Buyer Comment (2026-01-30): IRS ptin search | 2/xx/2026 2:19:04 AM |  |  | 1 C A | 1/xx/2026 | OH | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 781 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date 01/xx/2026; Disbursement Date: 01/xx/2026; Note Date: 01/xx/2026; Transaction Date: 01/xx/2026 |  |  |  |  | Reviewer Comment (2026-02-10): Received updated Hazard Insurance verified. Exception cleared<br>Buyer Comment (2026-02-06): 02/06-Please see attached | 2/xx/2026 2:46:01 AM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 781 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.67158% or Final Disclosure APR of 7.70300% is equal to or greater than the threshold of APOR 6.18% + 1.5%, or 7.68000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (2026-02-18): HPML Compliant | 2/xx/2026 3:02:43 PM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 781 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Compliance | Compliance | Federal Compliance | Compliance | Federal HPML Appraisal - CDFI Not Exempt | TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold. |  |  |  |  | Buyer Comment (2026-02-19): We would like to waive this condition as there is no way to cure. |  |  | 2/xx/2026 4:58:43 PM | 2 B | 1/xx/2026 | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 781 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. |  |  |  |  | Reviewer Comment (2026-02-18): Lender provided LOE, copy of refund check and proof of delivery.<br>Buyer Comment (2026-02-17): Please find attached the Refund check.<br>Reviewer Comment (2026-02-05): Condition is stating that borrower was charged for both appraisals on a flipped property transaction, which is not permitted. Final CD reflects both appraisals charged to borrower and paid outside of closing by borrower.<br>Buyer Comment (2026-02-03): PFA invoices for appraisals. |  | 2/xx/2026 2:58:01 PM |  | 2 C B | 1/xx/2026 | CA | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) B A | Exempt from ATR | Exempt from ATR | No |
| 708 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $xxx exceeds tolerance of $xxx $xxx over legal limit. Insufficient or no cure was provided to the borrower. (75104) | Appraisal Fee was last disclosed as $150 on LE but disclosed as $240 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-03-02): SitusAMC received VCC.<br>Buyer Comment (2026-03-02): Please see attached COC<br>Reviewer Comment (2026-02-04): SitusAMC received Changed Circumstance dated 01/xx/2026, but it does not give sufficient information on why the rush was requested. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-03): Please see Attached COC | 3/xx/2026 3:50:45 PM |  |  | 1 C A | 1/xx/2026 | 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 | Exempt from ATR | Exempt from ATR | No |
| 708 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:24:54 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $xxx exceeds tolerance of $xxx. $xxx over legal limit. Insufficient or no cure was provided to the borrower. (7741) | Attorney Review Fee was last disclosed as $0 on LE but disclosed as $7,995 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-02-24): Situamc Received Corrected PCCD and LOE moving fee to section H.<br>Buyer Comment (2026-02-23): Please see attached LOE<br>Reviewer Comment (2026-02-23): SitusAMC received Post CD by moving fee to section H. However,we would also require LOX in order to clear the exception.<br>Buyer Comment (2026-02-20): Please see attached PCCD<br>Reviewer Comment (2026-02-13): SitusAMC received rebuttal comment and tolerance calculation sheet. However, if the fee was paid to settlement company the fee should have been updated with "Title -" prefix or if the fee was not required wither by title or lender, it should be listed in section H instead of section C. Corrected CD and LOE with corrected fee name or moving the fee to sec H required to remediate.<br>Buyer Comment (2026-02-12): Hi Team,<br> as for the attorney fee in section xx, xxx was disclosed with Nations, fees are shopped for. Please see attached.<br>Reviewer Comment (2026-02-04): SitusAMC received rebuttal. If fee was not required, it should be listed in section H instead of section C. Corrected CD and LOE moving the fee to sec H required to remediate.<br>Buyer Comment (2026-02-03): Borrower did not choose the title company as per SSPL, and the attorney fee is in section C which has no tolerance limit | 2/xx/2026 4:50:38 AM |  |  | 1 C A | 1/xx/2026 | 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 | Exempt from ATR | Exempt from ATR | No |
| 782 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | 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 $2,738.00 exceeds tolerance of $2,161.00 plus 10% or $2,377.10. $360.90 over legal limit. Insufficient or no cure was provided to the borrower. (0) | File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  |  | Reviewer Comment (2026-03-05): SitusAMC received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2026-03-04): Please find the attached PCCD and LOE<br>Reviewer Comment (2026-03-02): SitusAMC received final closing statement, however on final CD recording fee disclosed is $375. Please provide corrected PCCD and LOE updating the recording fee amount.<br>Buyer Comment (2026-02-26): As per the final settlement statement, the recording fees are (CA Affordable Housing Recording Fees) $150 + (Mortgage) $96 = $246. Please briefly explain how the total recording fee is calculated as $401.<br>Reviewer Comment (2026-02-25): Recording fee total is $401. Per previous comments, please provide PCCD and LOE to borrower, as the closing statement received does not reflect the same figures as the final CD provided/signed by borrower.<br>Buyer Comment (2026-02-24): Could you please specify the recording fee amount.<br>Reviewer Comment (2026-02-06): Situsamc Received true and certified final settlement statement reducing the recording fee. Kindly provide Corrected PCCD and LOE as per provided Final settlement statement.<br>Buyer Comment (2026-02-05): $344. 40 is already there; we are giving an additional cure of $16.50. | 3/xx/2026 3:53:44 AM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Exempt from ATR | Exempt from ATR | No |
| 782 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | 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 01/xx/2026, prior to three (3) business days from transaction date of 01/xx/2026. | Disbursement date 01/xx/2026 Transaction date of 01/xx/2026. |  |  |  | Reviewer Comment (2026-02-10): Certified final settlement statement received in trailing documents reflecting 1/xx/26 disbursement date.<br>Reviewer Comment (2026-02-09): Require PCCD document or revised right to cancel document to clear the exception as provided closing statement would not suffices the exception. Exception Remains.<br>Buyer Comment (2026-02-05): Please find attached the SS. | 2/xx/2026 7:34:52 AM |  |  | 1 C A | 1/xx/2026 | 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 | Exempt from ATR | Exempt from ATR | No |
| 782 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 3:53:44 AM | 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 $2,609.00 exceeds tolerance of $2,161.00 plus 10% or $2,377.10. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2026-03-05): Sufficient Cure Provided At Closing |  | 3/xx/2026 3:53:44 AM |  | 1 A | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| 767 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: 283.09, Credit Report: Original // Public Record Type: Tax Liens / Balance: 30810.00 | The borrower has a disputed tax lien with a $283 balance and no payment plan, as well as a separate disputed tax lien for $30,810. Please provide documentation supporting the validity of the disputes. |  |  |  | Reviewer Comment (2026-02-24): Tax liens are paid off, evidence received, exception cleared<br>Buyer Comment (2026-02-20): irs account<br>Reviewer Comment (2026-02-12): Provided closing statement shows payoff of the lien also require evidence it was sent to the IRS. Document from IRS reflecting lien have been released.<br>Buyer Comment (2026-02-10): IRS paid through sale of home<br>Buyer Comment (2026-02-10): final SS<br>Reviewer Comment (2026-02-10): Received estimated settlement statement and payoff letter from IRS; however, final certified/signed settlement statement reflecting this lien was paid, along with evidence it was sent to the IRS will be required for review of this condition. Alternatively, documentation directly from the IRS reflecting liens have been released can also be provided.<br>Reviewer Comment (2026-02-06): Supporting documentation is required to confirm the account status (Satisfied/Released) for the borrower's disputed tax lien with a balance of $xxx, as well as the separate disputed tax lien of $xxx. The exception remains.<br>Buyer Comment (2026-02-04): see attached docs regarding tax lien | 2/xx/2026 12:56:57 AM |  |  | 1 B A | 1/xx/2026 | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 767 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $xxx exceeds tolerance of $xxx. $xxxover legal limit. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee Amount of $107.25 exceeds tolerance of $100.00. $7.25 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-18): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2026-02-17): Please find attached corrected CD LOE and check.<br>Reviewer Comment (2026-02-09): SitusAMC: The receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-06): please see attached document, lender became aware of information (credit report invoice) on 1/xx/2026 and on same date (1/xx/2026) prelim CD issued.<br>Reviewer Comment (2026-02-06): Situsamc Received Invoice is not acceptable for increased credit report fee. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-05): Please find attached document which is uploaded on the same date as of initial CD because of which credit report fee got exceeded on 1/xx/2026. |  | 2/xx/2026 12:16:34 AM |  | 2 C B | 1/xx/2026 | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| 767 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $xxx exceeds tolerance of $0.00. $xxx over legal limit. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax Fee Amount of $495.55 exceeds tolerance of $0.00. $495.55 over legal limit. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2026-02-18): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2026-02-06): Situsamc Transfer tax added on 01/xx/2026 without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2026-02-05): Please find attached document which is uploaded on the same date as of initial CD because of which credit report fee got exceeded on 1/xx/2026. |  | 2/xx/2026 12:16:59 AM |  | 2 C B | 1/xx/2026 | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| 767 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | The file is missing the VVOE by CPA. | 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: 38.26590% <br> Guideline Maximum DTI: 50.00000%<br>Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $9,256.72 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-05): Client request to waive with compensating factors.<br>Buyer Comment (2026-03-04): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-03-03): Received verification of CPA is post note date. Exception remains.<br>Buyer Comment (2026-02-27): VVOe |  |  | 3/xx/2026 11:49:15 AM | 2 C B | 1/xx/2026 | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 767 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:07:00 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxx, Third Party Verification | Please provide TPV and CPA letter with correct date. | 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: 38.26590% <br> Guideline Maximum DTI: 50.00000%<br>Documentation Type: 1yr P&L w/o Bank Statements<br> Disposable Income: $9,256.72 | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-03-05): Client request to waive with compensating factors.<br>Buyer Comment (2026-03-04): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-02-06): Required Third party verification and CPA letter within 20 business days prior to the note date. Available CPA letter reflects incorrect date. Reception remains.<br>Buyer Comment (2026-02-04): tax lien<br>Buyer Comment (2026-02-04): Paid off IRS lien |  |  | 3/xx/2026 11:48:42 AM | 2 C B | 1/xx/2026 | CA | Primary | Purchase | C B A | Exempt from ATR | Exempt from ATR | No |
| 747 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 8:32:35 PM | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Collections / Balance: 148.00 | A Borrower has a disputed collection with a $148.00 account without payment plan. Provide documentation supporting the validity of the dispute. |  |  |  | Reviewer Comment (2026-02-12): Collection requirement met and borrower has sufficient reserves to meet requirement. Exception cleared.<br>Buyer Comment (2026-02-10): per guidelines, validity of the dispute is not required. See guideline : Current disputed accounts are excluded from the limit calculation as noted in the <br> Collections and Charge-Offs Section of this guide, if the borrower(s) meets minimum reserve requirements and has additional seasoned reserves (no gifts or cash out allowed to satisfy the requirement) totaling amount of disputed accounts (total Minimum Reserves + Disputed Account Balance(s) | 2/xx/2026 1:38:50 AM |  |  | 1 B A | 1/xx/2026 | SC | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 747 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 8:32:35 PM | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Borrower disclosed on the Initial and Final 1003, Section 5 - Declarations, that she intends to occupy the subject property as the primary residence. The file also contains a letter of explanation from the borrower disclosing that the property is intended to be used as the primary residence. |  |  |  | Reviewer Comment (2026-02-24): Received updated 1003 and occupancy details updated correctly, exception cleared<br>Buyer Comment (2026-02-20): see attached exception<br>Reviewer Comment (2026-02-11): Per occupancy certification, the property is listed as a second home. However, the borrower's explanation letter and both the initial and final 1003 reflect primary occupancy. Due to this inconsistency, clarification from the borrower and supporting documentation confirming the intended occupancy is required. Exception Remains.<br>Buyer Comment (2026-02-09): Please see attached Final Compliance Eagle Report | 2/xx/2026 5:20:17 AM |  |  | 1 C A | 1/xx/2026 | SC | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 747 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 8:32:35 PM | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | Borrower: xxx Occupancy: Second Home; Declarations/xxx borrower occupy: Yes | Borrower disclosed the intent to occupy the premises as the primary residence. |  |  |  | Reviewer Comment (2026-02-24): Received updated 1003 and occupancy details updated correctly, exception cleared<br>Buyer Comment (2026-02-20): 1003<br>Buyer Comment (2026-02-20): exception<br>Reviewer Comment (2026-02-19): COC was previously received. It indicates that the change occurred on 1/xx/2026; however, the final 1003 still reflects they intend to occupy the subject property. Corrected 1003, signed by borrower, along with LOE from borrower required for review of this condition.<br>Buyer Comment (2026-02-18): revised 1003 | 2/xx/2026 5:18:27 AM |  |  | 1 C A | 1/xx/2026 | SC | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 747 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 8:32:35 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | VVOE was not within 10 calendar days of the Note. |  |  |  | Reviewer Comment (2026-02-12): Received Lender Correspondence for the requirement of verbal verification of employment within 10 business days. Exception cleared.<br>Buyer Comment (2026-02-10): VVOE | 2/xx/2026 1:48:01 AM |  |  | 1 C A | 1/xx/2026 | SC | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 747 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 8:32:35 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: xxx // Employment Type: Employment / Income Type: Wages / Start Date: 08/xx/2014 | Wages were used as part of the Income calculation, however the VVOE was not within 10 calendar days of the Note. |  |  |  | Reviewer Comment (2026-02-12): Received Lender Correspondence for the requirement of verbal verification of employment within 10 business days. Exception cleared.<br>Buyer Comment (2026-02-10): see attached VVOE | 2/xx/2026 1:48:01 AM |  |  | 1 C A | 1/xx/2026 | SC | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 644 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:03:02 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | CPA letter is not signed and dated by the CPA. |  |  |  | Reviewer Comment (2026-02-23): Received signed and dated CPA letter. Exception cleared.<br>Buyer Comment (2026-02-19): signed cpa letter | 2/xx/2026 5:21:49 AM |  |  | 1 C A | 10/xx/2025 | MI | Second Home | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 828 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:01:55 PM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan is Correspondent with Loan Designation of Non-QM. |  |  |  | Reviewer Comment (2026-02-23): Received evidence of date xxx obtained, which is permitted per guidelines for rental income determination.<br>Reviewer Comment (2026-02-20): Exception received states leases were used for rental income; however, lease for xxx was not provided. As these are ATR conditions, if the lease is not being provided, and lender is unable to provide dated xxx to determine when it was obtained, an approved exception detailing what was relied on pre-consummation for rental income of the REO on xxx will be required for review.<br>Buyer Comment (2026-02-18): See lease documents and exception uploaded on 2/18. | 2/xx/2026 1:57:37 PM |  |  | 1 B A C | 1/xx/2026 | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | No |
| 828 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:01:55 PM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxx/25% Vacancy Method) | While guidelines indicate a xxx is acceptable, the document provided is not dated to determine when it was obtained. |  |  |  | Reviewer Comment (2026-02-23): Received evidence of date xxx obtained, which is permitted per guidelines for rental income determination.<br>Reviewer Comment (2026-02-19): Exception received states leases were used for rental income; however, lease for xxx was not provided. As these are ATR conditions, if the lease is not being provided, and lender is unable to provide dated xxx to determine when it was obtained, an approved exception detailing what was relied on pre-consummation for rental income of the REO on xxx will be required for review.<br>Buyer Comment (2026-02-18): Lease agreements and underwriting exception. | 2/xx/2026 1:57:37 PM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 828 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:01:55 PM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.40774% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | DIT discrepancy due to use of 10% expense ratio for co-mingled personal bank statements used for income qualification. Lender income calculation was at 100% usability. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $15,040.18<br>Reserves: 30.87<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 801 | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-23): Waived with compensating factors per investor approved exception received in trailing docs. Lender unable to document receipt of rental income per guidelines, and DTI calculated without evidence of the rent on the remaining investment properties.<br>Reviewer Comment (2026-02-19): Exception received states leases were used for rental income; however, lease for xx was not provided. As these are ATR conditions, if the lease is not being provided, and lender is unable to provide dated xxx to determine when it was obtained, an approved exception detailing what was relied on pre-consummation for rental income of the REO on xx will be required for review.<br>Buyer Comment (2026-02-18): See lease documents and exception uploaded on 2/18. |  |  | 2/xx/2026 2:00:21 PM | 2 C B | 1/xx/2026 | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 828 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:01:55 PM | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan is Correspondent with Loan Designation of Non-QM. |  |  |  | Reviewer Comment (2026-02-23): Received evidence of date xxx obtained, which is permitted per guidelines for rental income determination. | 2/xx/2026 1:57:37 PM |  |  | 1 A | 1/xx/2026 | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 828 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:01:55 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 51.40774% exceeds Guideline total debt ratio of 50.00000%. | DIT discrepancy due to use of 10% expense ratio for co-mingled personal bank statements used for income qualification. Lender income calculation was at 100% usability. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $15,040.18<br>Reserves: 30.87<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 640<br> Representative FICO: 801 | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2026-02-23): Waived with compensating factors per investor approved exception received in trailing docs. Lender unable to document receipt of rental income per guidelines, and DTI calculated without evidence of the rent on the remaining investment properties.<br>Reviewer Comment (2026-02-19): Exception received states leases were used for rental income; however, lease for xx was not provided. As these are ATR conditions, if the lease is not being provided, and lender is unable to provide dated xxx to determine when it was obtained, an approved exception detailing what was relied on pre-consummation for rental income of the REO on xx will be required for review.<br>Buyer Comment (2026-02-18): See lease documents and exception uploaded on 2/18. |  |  | 2/xx/2026 2:00:35 PM | 2 C B | 1/xx/2026 | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 828 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:01:55 PM | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfalling due to DTI exceeding 50% and missing dated rent xxx. |  |  |  | Reviewer Comment (2026-02-23): Received evidence of date of xxx document. DTI Waived with compensating factors per investor approved exception received in trailing docs. Lender unable to document receipt of rental income per guidelines, and DTI calculated without evidence of the rent on the remaining investment properties.<br>Reviewer Comment (2026-02-19): Exception received states leases were used for rental income; however, lease for xx was not provided. As these are ATR conditions, if the lease is not being provided, and lender is unable to provide dated xxx to determine when it was obtained, an approved exception detailing what was relied on pre-consummation for rental income of the REO on xx will be required for review.<br>Buyer Comment (2026-02-18): See lease documents and exception uploaded on 2/18. | 2/xx/2026 2:08:35 PM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 828 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:01:55 PM | 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.) |  |  |  |  | Reviewer Comment (2026-02-23): Received documentation reflecting date xxx was obtained to meet guideline requirements of obtaining at or before consummation of loan.<br>Reviewer Comment (2026-02-19): Exception received states leases were used for rental income; however, lease for xx was not provided. As these are ATR conditions, if the lease is not being provided, and lender is unable to provide dated xxx to determine when it was obtained, an approved exception detailing what was relied on pre-consummation for rental income of the REO on xx will be required for review.<br>Buyer Comment (2026-02-18): See lease documents and exception uploaded on 2/18. | 2/xx/2026 2:05:21 PM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 828 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:01:55 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | While guidelines indicate a xxx is acceptable, the document provided is not dated to determine when it was obtained. |  |  |  | Reviewer Comment (2026-02-23): Received documentation evidencing date xxx was obtained pre-consummation, which meets guideline requirements.<br>Reviewer Comment (2026-02-19): Exception received states leases were used for rental income; however, lease for xx was not provided. As these are ATR conditions, if the lease is not being provided, and lender is unable to provide dated xxx to determine when it was obtained, an approved exception detailing what was relied on pre-consummation for rental income of the REO on xx will be required for review.<br>Buyer Comment (2026-02-18): See lease documents and exception uploaded on 2/18. | 2/xx/2026 2:06:42 PM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 828 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 1:57:48 PM | 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 DTI exceeding 50%. |  |  |  | Reviewer Comment (2026-02-23): Received evidence of date of xxx document. DTI Waived with compensating factors per investor approved exception received in trailing docs. Lender unable to document receipt of rental income per guidelines, and DTI calculated without evidence of the rent on the remaining investment properties. | 2/xx/2026 2:09:11 PM |  |  | 1 A | 1/xx/2026 | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
| 827 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:31:24 PM | 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 01/xx/2026 incorrectly disclosed whether the loan will have an escrow account. (Final/xx/29/2026) | Final CD provided on 01/xx/2026 incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (2026-02-19): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2026-02-18): See attached LOE and PCCD |  | 2/xx/2026 12:46:34 AM |  | 2 C B | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | No |
| 827 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:31:24 PM | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxx | Fraud report is missing in file. |  |  |  | Reviewer Comment (2026-02-19): Fraud report received & associated. Exception cleared.<br>Buyer Comment (2026-02-17): See attached | 2/xx/2026 3:49:45 AM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 827 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:31:24 PM | 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. |  | Title policy amount not provided in preliminary title policy. |  |  |  | Reviewer Comment (2026-02-19): Title Supplemental received & coverage amount updated. Exception cleared.<br>Buyer Comment (2026-02-18): See attached title supplement | 2/xx/2026 3:50:32 AM |  |  | 1 B A | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 827 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 5:31:24 PM | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | The file is missing the fraud report and the Rate Lock Disclosure. |  |  |  | Reviewer Comment (2026-02-19): Fraud report received & associated. Exception cleared.<br>Buyer Comment (2026-02-18): Change of Circumstance reflects rate lock date 1/xx/26.<br>Buyer Comment (2026-02-18): See attached Locked LE and Fraud report | 2/xx/2026 3:51:10 AM |  |  | 1 C A | 1/xx/2026 | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 771 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 7:55:19 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | VVOE for CPA is missing in file. | 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: 35.21786% <br> Guideline Maximum DTI: 50.00000%<br>Documentation Type: 12mo CPA P&L<br> Disposable Income: $14,766.17 | SitusAMC<br>SitusAMC | Reviewer Comment (2026-03-11): Waived with compensating factors per lender exception approval.<br>Buyer Comment (2026-03-09): exception<br>Reviewer Comment (2026-03-05): Loan is subject to ATR testing. Lender approved exception detailing what was relied on pre-consummation in closing the loan without the required VVOE with the CPA will be required for review.<br>Buyer Comment (2026-03-04): Lender accepts. Please waive with available compensating factors.<br>Reviewer Comment (2026-03-04): As per guideline Pg no 86 A Verbal verification with the CPA is required prior to closing. Provided CPA VVOE is post note date. Exception remains.<br>Buyer Comment (2026-03-02): VVOE |  |  | 3/xx/2026 3:48:48 PM | 2 C B | 2/xx/2026 | CA | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 810 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 7:55:19 PM | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 is missing. |  |  |  | Reviewer Comment (2026-02-27): Credit application received, exception cleared<br>Buyer Comment (2026-02-25): Please see attached | 2/xx/2026 3:32:33 AM |  |  | 1 B A | 2/xx/2026 | FL | Investment | Refinance - Cash-out - Other | B A | Exempt from ATR | N/A | No |
| 800 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 7:55:19 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for living rent free. |  |  |  | Reviewer Comment (2026-03-03): 1008 received with UW discretion, exception cleared<br>Buyer Comment (2026-02-27): UW discretion | 3/xx/2026 3:05:18 AM |  |  | 1 C A | 2/xx/2026 | GA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 796 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:25:40 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxx 1084 or income worksheet | File is missing income worksheet detailing assets/amount used in asset depletion income. |  |  |  | Reviewer Comment (2026-03-09): Received Underwriting Worksheet. Exception cleared.<br>Buyer Comment (2026-03-05): Please income calc sheets attached. Thank you. | 3/xx/2026 2:57:03 AM |  |  | 1 C A | 2/xx/2026 | GA | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| 817 | xxx | xxx | xxx |  | xxx | xxx | 2/xx/2026 6:14:37 PM | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2026-03-05): E-Sign Consent Agreement received and verified. Exception cleared<br>Buyer Comment (2026-03-03): Please see attached e-sign consent agreement. | 3/xx/2026 3:08:31 AM |  |  | 1 C A | 2/xx/2026 | TN | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 795 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 5:11:03 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxx 4506-C (2023), 4506-C (2024) | 4506-C document is missing for the recent two years. |  |  |  | Reviewer Comment (2026-03-09): 4506-C received.<br>Buyer Comment (2026-03-05): 4506 | 3/xx/2026 3:37:53 AM |  |  | 1 C A | 2/xx/2026 | FL | Investment | Purchase | C A | Exempt from ATR | N/A | No |
| 807 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 5:11:03 PM | 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 $321.50 exceeds tolerance of $280.00 plus 10% or $308.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2026-02-27): Sufficient Cure Provided At Closing |  | 2/xx/2026 6:23:47 AM |  | 1 A | 2/xx/2026 | PA | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| 807 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 5:11:03 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently living rent free which requires UW discretion. |  |  |  | Reviewer Comment (2026-03-09): Borrower is currently living rent free, Exception cleared.<br>Buyer Comment (2026-03-05): Uw discretion | 3/xx/2026 4:15:12 AM |  |  | 1 C A | 2/xx/2026 | PA | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 790 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 8:34:54 PM | 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 within three business days prior to closing. |  |  |  | Reviewer Comment (2026-03-06): SitusAMC received initial CD.<br>Buyer Comment (2026-03-04): PFA<br>Reviewer Comment (2026-03-04): SitusAMC received disclosure tracking for the 02/11 CD. Please provide the 02/11 CD as it is not located in file.<br>Buyer Comment (2026-03-03): Please see attached doc. | 3/xx/2026 12:48:52 AM |  |  | 1 C A | 2/xx/2026 | CT | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Exempt from ATR | Exempt from ATR | No |
| 790 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 8:34:54 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception request for Log home. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 39.83629%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 640<br> Representative FICO: 729 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-03-03): Lender approved exception at origination with compensating factors. |  |  | 3/xx/2026 5:47:17 PM | 2 B | 2/xx/2026 | CT | Primary | Refinance - Cash-out - Other | C B A | Exempt from ATR | Exempt from ATR | No |
| 808 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 8:34:54 PM | 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 $214.00 exceeds tolerance of $140.00 plus 10% or $154.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |  | 3/xx/2026 6:12:59 AM |  | 1 A | 2/xx/2026 | IL | Primary | Purchase | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |
| 620 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 8:34:54 PM | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on 02/xx/2026 are underdisclosed. (Final/xx/25/2026) |  |  |  |  | Reviewer Comment (2026-03-05): SitusAMC received Letter of explanation and Corrected Closing disclosure.<br>Buyer Comment (2026-03-05): Please see attached PCCD reflecting non-escrowed HOA fees<br>Reviewer Comment (2026-03-04): SitusAMC has acknowledged that taxes and insurance are escrowed. However, the appraisal report in the loan file indicates non-escrowed HOA fees of $700, and this amount has been disclosed to the borrower. Please provide a corrected Closing Disclosure reflecting the non-escrowed property costs along with a Letter of Explanation (LOE) to cure.<br>Buyer Comment (2026-03-04): Please-review there is no Fees belong into Non-Escrow Items as Property Taxes and Homeowner's insurance both are escrow, so $6129.00 is mentioned in Escrowed property cost, page 4 of 5 |  | 3/xx/2026 12:15:52 AM |  | 2 C B | 2/xx/2026 | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Exempt from ATR | Exempt from ATR | No |
| 620 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 8:34:54 PM | 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 $xxx exceeds tolerance of $xxx. $xxx over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Appraisal Re-Inspection Fee. was last disclosed as $0.00 on LE but disclosed as $200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2026-03-04): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception.<br>Buyer Comment (2026-03-04): Please see doc D0386, lender credit already given of $200.00 on final CD | 3/xx/2026 10:48:28 PM |  |  | 1 C A | 2/xx/2026 | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Exempt from ATR | Exempt from ATR | No |
| 620 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 10:48:28 PM | 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 $xxx exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  |  | Reviewer Comment (2026-03-04): Sufficient Cure Provided At Closing |  | 3/xx/2026 10:48:28 PM |  | 1 A | 2/xx/2026 | TX | Primary | Purchase | Final CD evidences Cure B A | Exempt from ATR | Exempt from ATR | No |
| 793 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 5:34:17 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing underwriter discretion for living rent free with someone other than spouse. |  |  |  | Reviewer Comment (2026-03-10): Received underwriter discretion. Exception cleared.<br>Buyer Comment (2026-03-06): Uw discretion | 3/xx/2026 4:10:47 AM |  |  | 1 C A | 2/xx/2026 | NV | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 798 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 5:39:21 PM | 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: 02/xx/2026; Lien Position: 1 |  |  |  |  | Reviewer Comment (2026-03-09): Waived per lender direction.<br>Buyer Comment (2026-03-06): D0215 appraisal, D0219 CDA, and field review D0213. EV2-Lender accepts. Please waive with available compensating factors. |  |  | 3/xx/2026 1:53:40 PM | 2 A B | 2/xx/2026 | NV | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| 798 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 5:39:21 PM | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing complete 12 month housing history for subject property and guarantor's primary residence, through 1/2026. |  |  |  | Reviewer Comment (2026-03-10): Per client email on 3/10 - no proof of January payment for subject property, and program allows up to 1x30. Other housing history has been updated to 1x30 in most recent 6 months per this email.<br>Reviewer Comment (2026-03-10): Received Credit Supplement for primary residence which good through 01/2026. Received mortgage statement with 8 months history for subject xxx loan which is opened on 04/xx/2025 as per fraud report page #133 Doc ID xxx and payoff is good through 02/xx/2026 and Disbursement is date 02/xx/2026. Evidence for January 2026 month for subject xx loan is required. Exception remains.<br>Buyer Comment (2026-03-06): payoff reports next payment due 02/xx/26<br>Buyer Comment (2026-03-06): Subject property xx opened 04/xx/2025 first payment due 05/xx/25<br>Buyer Comment (2026-03-06): Primary residence xx good through 01/2026 | 3/xx/2026 2:17:58 PM |  |  | 1 C A | 2/xx/2026 | NV | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| 798 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 5:39:21 PM | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: xxx // Employment Type: Employment / Income Type: Bank Statements / Start Date: 07/xx/2024 | File is missing the October 2025 bank statement used in income qualifying. |  |  |  | Reviewer Comment (2026-03-10): Received month Oct 2025 bank statement for the account #xx. Exception cleared.<br>Buyer Comment (2026-03-06): Oct statement | 3/xx/2026 5:05:09 AM |  |  | 1 C A | 2/xx/2026 | NV | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| 798 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 5:39:21 PM | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Due to missing October 2025 bank statement used in income qualifying and due to missing evidence the business used in income qualifying has been in existence for at least 2 years. The filed entity docs reflect a formation date of 6/2024, which is less than 2 years from consummation date of 2/xx/2026. |  |  |  | Reviewer Comment (2026-03-10): Per CPA letter, borrower owns additional entity that has been in existence since 5/2023, and both entities operate as real estate investment and holding companies.<br>Reviewer Comment (2026-03-10): Documentation for 2 years of self-employment history, borrower must document they have been in the same line of work or had schooling in the profession in the year preceding the business start date. Exception remains.<br>Buyer Comment (2026-03-06): see attached Oct statement<br>Buyer Comment (2026-03-06): Per guidelines, Business should be established and have been in existence for the past 2 years; however, if a borrower is qualifying with less than 2 years but more than 1 year of self-employment, then the business should be established for the same length of time and borrower must document the have been in the same line of work or had schooling in the profession in the year preceding the business start date. Borrower has been SE with xxx since 05/xx/23. | 3/xx/2026 2:20:02 PM |  |  | 1 C A | 2/xx/2026 | NV | Investment | Refinance - Cash-out - Other | C B A | Exempt from ATR | N/A | No |
| 669 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:30:02 PM | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete |  | Initial 1003 Application not provided for xxx(B2) |  |  |  | Reviewer Comment (2026-03-13): Initial 1003 received for all borrowers. Exception cleared.<br>Buyer Comment (2026-03-11): PFA as requested<br>Reviewer Comment (2026-03-10): Required Initial 1003 Application for Borrower 2 - xxx.<br> Provided is for Borrower 3. Exception remains.<br>Buyer Comment (2026-03-06): PFA as requested | 3/xx/2026 3:41:15 AM |  |  | 1 B A | 2/xx/2026 | CA | Primary | Refinance - Cash-out - Other | B A | Exempt from ATR | Exempt from ATR | No |
| 778 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:30:02 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing UW discretion for living rent free up until September 2025 as borrower only provided 4 months of housing history. |  |  |  | Reviewer Comment (2026-03-13): Received UW discretion for living rent free. Exception cleared.<br>Buyer Comment (2026-03-11): uw discretion | 3/xx/2026 5:40:59 AM |  |  | 1 C A | 2/xx/2026 | FL | Primary | Refinance - Cash-out - Other | C A | Exempt from ATR | Exempt from ATR | No |
| 651 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:30:02 PM | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has requested exception for:<br> - Less than 10% reserves allowed under the following conditions: (Will require copy of current balance sheet) -- 5% - 6.99% if condo has cash assets that equal 50% of HOA assessments as listed on current year budget.<br> - Budget showing reserves 6.24%. Balance sheet is not available. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<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>Reserves: 38.05<br> Guideline Requirement: 12.00<br>Documentation Type: 12mo CPA P&L<br> Disposable Income: $36,179.39 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | Reviewer Comment (2026-03-05): Lender approved exception at origination with compensating factors. |  |  | 3/xx/2026 9:36:04 AM | 2 B | 2/xx/2026 | FL | Investment | Purchase | B A | Exempt from ATR | N/A | No |
| 799 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:53:12 PM | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing the donor's proof of receipt for gift funds of $380,000.00. |  |  |  | Reviewer Comment (2026-03-13): Received wire confirmation as a donor's proof of receipt for gift funds of $380,000.00. Exception Cleared.<br>Buyer Comment (2026-03-11): wire | 3/xx/2026 4:54:39 AM |  |  | 1 C A | 2/xx/2026 | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 814 | xxx | xxx | xxx |  | xxx | xxx | 3/xx/2026 4:53:12 PM | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $xxx exceeds tolerance of $xxx. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  | Reviewer Comment (2026-03-04): Sufficient Cure Provided At Closing |  | 3/xx/2026 11:22:52 PM |  | 1 A | 2/xx/2026 | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Exempt from ATR | Exempt from ATR | No |

---

## Exhibit 99.5

**Exhibit 99.5**

![](ex99-5_001.jpg)

**EXECUTIVE SUMMARY**

**NRMLT 2026-NQM5**

**By Clarifii LLC on April 3, 2026**

NRMLT 2026-NQM5 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 94 Loan (the "Loans") originated by a correspondent lender and acquired by Rithm Capital, LLC. (the "Clients") for the NRMLT 2026-NQM5 transaction. The loan referenced in this narrative report was reviewed between 10/2025 and 03/2026 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** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.26% | &nbsp;&nbsp;$1585750.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.26% | &nbsp;&nbsp;$1653750.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.06% | &nbsp;&nbsp;$213750.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;85 | &nbsp;&nbsp;90.42% | &nbsp;&nbsp;$56643173.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**94** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60096423.00** |

---

The Review consisted of a population of 94 Loan, with an aggregate principal balance of $60,096,423.00.

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

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

**LOAN SAMPLING**

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

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

---

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

---

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 2

![](ex99-5_001.jpg)

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare 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 FTHB |
| &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;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 Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Note Date |
| &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 |

---

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 3

![](ex99-5_001.jpg)

---

| |
|:---|
| &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;Short Term Rent Source |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 4

![](ex99-5_001.jpg)

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

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

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

- Borrower(s) employment history

- Citizenship and eligibility

- First time home buyer status

- The application was signed by all borrowers

- The application was substantially complete

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

Clarifii verified the following items:

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

- Bankruptcy and foreclosure seasoning

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

- Installment and revolving payment history

- Mortgage/Rental payment history

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

- Number of tradelines

- Credit Score(s) and Qualifying Score Methodology

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

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

- Tax returns

- Financial statements

Paystubs

- IRS Form W-2s

- IRS Form 1099

- IRS documents

- Bank statements

- Lease agreements

- Award letters

- Other documentation in Loan file

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 5

![](ex99-5_001.jpg)

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

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

- Borrower identity

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

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

- Occupancy

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

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

- Employment

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

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

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

OFAC

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

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

- Verification of deposits (VOD)

- Depository account statements

- Stock or security account statements

- Gift funds

- Settlements statements

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

- Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 6

![](ex99-5_001.jpg)

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

- Calculated DSCR, as required by guidelines

- Confirmed documentation requirements have been met

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

**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)

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 7

![](ex99-5_001.jpg)

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

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

- Initial and final application (1003)

- Note, including all addendums

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

- Mortgage / Deed of Trust, including all riders

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

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

- Notice of Right to Cancel (when applicable)

- Rate Lock Date

- HOEPA Disclosures (when applicable)

- Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 8

![](ex99-5_001.jpg)

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

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- State License requirements when applicable

- State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

With respect to QM (Safe Harbor and Rebuttable Presumption) designated Loans, Clarifii reviewed the Loan to determine whether, based on available information in the Loan file, (i) the Loan contained risky Loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceeded the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeded 43% (calculated in accordance with Appendix Q to 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 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 or Broker Price Opinion value for purpose of LTV/CLTV/HCLTV.

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

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

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

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**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files –<br> No Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or<br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files<br> within -10% of OA or<br> Acceptable UCDP Risk<br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU/LCA Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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

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

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;86 | &nbsp;&nbsp;91.49% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;8.51% |
| &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;**94** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;89 | &nbsp;&nbsp;94.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;5.32% |
| &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;**94** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;94 | &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;**94** | &nbsp;&nbsp;**100.00%** |

---

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**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;91 | &nbsp;&nbsp;96.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.19% |
| &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;**94** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$60096423.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**94** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60096423.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;31 | &nbsp;&nbsp;32.98% | &nbsp;&nbsp;$29505853.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;4.26% | &nbsp;&nbsp;$2439250.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;59 | &nbsp;&nbsp;62.76% | &nbsp;&nbsp;$28151320.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**94** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60096423.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;49 | &nbsp;&nbsp;52.13% | &nbsp;&nbsp;$26397750.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;45 | &nbsp;&nbsp;47.87% | &nbsp;&nbsp;$33698673.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**94** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60096423.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$60096423.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**94** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60096423.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$60096423.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**94** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$60096423.00** |

---

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**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Fields** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;24 | &nbsp;&nbsp;92 | &nbsp;&nbsp;73.91% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;92 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;94 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;93 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;90 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;6 | &nbsp;&nbsp;94 | &nbsp;&nbsp;93.62% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;38 | &nbsp;&nbsp;92 | &nbsp;&nbsp;58.70% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;92 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;92 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;94 | &nbsp;&nbsp;97.87% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;5 | &nbsp;&nbsp;10 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;74 | &nbsp;&nbsp;92 | &nbsp;&nbsp;19.57% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;94 | &nbsp;&nbsp;98.94% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;4 | &nbsp;&nbsp;94 | &nbsp;&nbsp;95.74% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;94 | &nbsp;&nbsp;100.00% |

---

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

![](ex99-5_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;94 | &nbsp;&nbsp;98.94% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;93 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;91 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;93 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;94 | &nbsp;&nbsp;96.81% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;93 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;92 | &nbsp;&nbsp;97.83% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;92 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;94 | &nbsp;&nbsp;98.94% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;17 | &nbsp;&nbsp;94 | &nbsp;&nbsp;81.91% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Short Term Rent Source | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;1 | &nbsp;&nbsp;86 | &nbsp;&nbsp;98.84% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

 

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

 

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 19

 

 

*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.

NRMLT 2026-NQM3 Due Diligence Narrative Report – PagE \| 20

## Exhibit 99.5

**Exhibit 99.5 Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **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** |
| 840 | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-22-2025 |
| 841 | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| 175 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.11 | 52.11 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-16-2025 |
| 178 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-28-2025 | Eligible | 1.2 | 12-28-2025 |
| 199 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 194 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-07-2026 |  |  |  |  |  |  |  |  |  |  | 1 | 12-18-2025 | Eligible | 1 | 12-18-2025 |
| 185 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 12-31-2025 |
| 226 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 01-01-2026 |
| 165 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 12-19-2025 |
| 148 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 01-07-2026 |
| 222 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-09-2026 | Eligible | 1 | 01-09-2026 |
| 190 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 12-22-2025 |
| 183 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-04-2025 | Eligible | 2.6 | 12-04-2025 |
| 171 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0340 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0340 | 97 | 0.03 | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-17-2025 |
| 182 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.76 | 64.76 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 12-17-2025 |
| 238 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 197 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-31-2025 | Eligible |  |  |
| 163 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 221 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-05-2026 | Eligible | 1 | 01-05-2026 |
| 193 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 01-07-2026 |
| 225 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 | Eligible | 1 | 01-08-2026 |
| 227 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-13-2026 |
| 230 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 01-07-2026 |
| 220 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-13-2026 |  |  |  |  |  |  |  |  |  |  | 2.5 | 01-05-2026 | Eligible | 1 | 01-05-2026 |
| 169 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.4133 | 74 | 0.26 | XXXX | XXXX | XX/XX/XXXX | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 01-02-2026 | Eligible | 1.2 | 01-02-2026 |
| 188 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-15-2026 | Eligible | 1 | 01-15-2026 |
| 196 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.55 | 54.55 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 |
| 164 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-09-2025 | Eligible | 1 | 12-09-2025 |
| 209 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 67.83 | 67.83 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-05-2026 |
| 215 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-30-2025 | Eligible | 1 | 12-30-2025 |
| 160 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 12-18-2025 |
| 217 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.43 | 78.43 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-04-2026 | Eligible |  |  |
| 158 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 201 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.06 | 63.06 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 01-07-2026 | Not Eligible | 1 | 01-13-2026 |
| 168 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 12-08-2025 |
| 202 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-21-2025 |
| 186 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-19-2025 | Eligible | 1 | 12-19-2025 |
| 203 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-05-2026 | Eligible | 1 | 01-05-2026 |
| 159 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 79.93 | 79.93 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 11-30-2025 | Eligible | 2.5 | 11-30-2025 |
| 223 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | 1004 URAR |  |  |  |  | XXXX | 0 | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 01-13-2026 |
| 179 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 12-14-2025 |
| 149 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.99 | 79.99 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-31-2025 |
| 204 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 12-22-2025 |
| 155 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 12-28-2025 | Eligible |  |  |
| 172 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 67.69 | 67.69 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 12-19-2025 |
| 216 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-12-2026 | Eligible |  |  |
| 181 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 170 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 12-18-2025 |
| 229 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-08-2026 | Eligible | 1 | 01-08-2026 |
| 153 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-29-2025 | Eligible | 1 | 10-29-2025 |
| 210 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-30-2025 | Eligible | 1.4 | 12-30-2025 |
| 231 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0345 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0345 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 01-07-2026 |
| 213 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-12-2026 | Eligible | 1 | 01-12-2026 |
| 218 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.99 | 65.99 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-02-2026 | Eligible | 1 | 01-02-2026 |
| 184 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 10-30-2025 |
| 211 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.55 | 54.55 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-31-2025 | Eligible | 1 | 12-31-2025 |
| 236 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-25-2025 |
| 189 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 12-19-2025 |
| 207 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | 12-31-2025 |
| 187 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 | Eligible | 1 | 12-29-2025 |
| 191 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.8 | 49.8 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 01-16-2026 |
| 157 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 01-06-2026 | Not Eligible |  |  |
| 156 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.09 | 74.09 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 12-13-2025 |
| 180 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-10-2025 |
| 174 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 61.09 | 61.09 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 01-09-2026 |
| 237 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 12-16-2025 |
| 162 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-03-2025 |
| 198 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | 01-07-2026 |
| 233 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | 01-08-2026 | Not Eligible | 2.1 | 01-08-2026 |
| 206 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 235 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 11-25-2025 |
| 214 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.44 | 69.44 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 01-07-2026 |
| 205 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | 12-28-2025 |
| 219 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 01-09-2026 | Eligible | 2.4 | 01-09-2026 |
| 195 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 01-06-2026 |
| 228 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.51 | 74.51 | XXXX | XXXX | -.0216 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0216 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 176 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-11-2025 | Eligible | 1 | 12-11-2025 |
| 208 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-26-2025 | Eligible |  |  |
| 192 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-07-2026 |
| 151 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 161 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 01-02-2026 | Not Eligible | 2.3 | 01-02-2026 |
| 232 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 01-08-2026 |
| 152 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 12-17-2025 |
| 154 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.29 | 44.29 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-29-2025 |
| 150 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 177 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.57 | 78.57 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 12-17-2025 |
| 147 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 12-18-2025 |
| 234 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 71.22 | 71.22 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 01-13-2026 |
| 212 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-23-2025 | Eligible | 1.2 | 12-23-2025 |
| 200 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-14-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 12-20-2025 |
| 173 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 12-23-2025 |
| 166 | XXXX |  | XXXX | XX/XX/XXXX | XXXX | XXXX | 0 | XXXX | XX/XX/XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | xxx | .0000 | XXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-06-2026 |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 12-17-2025 |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 2**

---

| | | | | |
|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 840 | XXXX | XXXX | XXXX | XXXX A |
| 841 | XXXX | XXXX | XXXX | XXXX D A |
| 175 | XXXX |  | XXXX | XXXX A |
| 178 | XXXX |  | XXXX | XXXX A |
| 199 | XXXX |  | XXXX | XXXX A |
| 194 | XXXX |  | XXXX | XXXX C A |
| 185 | XXXX |  | XXXX | XXXX C A |
| 226 | XXXX |  | XXXX | XXXX D C A |
| 165 | XXXX |  | XXXX | XXXX A |
| 148 | XXXX |  | XXXX | XXXX D A |
| 222 | XXXX |  | XXXX | XXXX A |
| 190 | XXXX |  | XXXX | XXXX A |
| 183 | XXXX |  | XXXX | XXXX D A |
| 171 | XXXX |  | XXXX | XXXX C A D |
| 182 | XXXX |  | XXXX | XXXX A |
| 238 | XXXX |  | XXXX | XXXX D A |
| 197 | XXXX |  | XXXX | XXXX C B A |
| 163 | XXXX |  | XXXX | XXXX A |
| 221 | XXXX |  | XXXX | XXXX A |
| 193 | XXXX |  | XXXX | XXXX A |
| 225 | XXXX |  | XXXX | XXXX A |
| 227 | XXXX |  | XXXX | XXXX A |
| 230 | XXXX |  | XXXX | XXXX A |
| 220 | XXXX |  | XXXX | XXXX A |
| 169 | XXXX |  | XXXX | XXXX D A |
| 224 | XXXX |  | XXXX | XXXX D C A |
| 188 | XXXX |  | XXXX | XXXX D A |
| 196 | XXXX |  | XXXX | XXXX A |
| 164 | XXXX |  | XXXX | XXXX D A |
| 209 | XXXX |  | XXXX | XXXX C A |
| 215 | XXXX |  | XXXX | XXXX C A |
| 160 | XXXX |  | XXXX | XXXX C A |
| 217 | XXXX |  | XXXX | XXXX D A |
| 158 | XXXX |  | XXXX | XXXX A |
| 201 | XXXX |  | XXXX | XXXX A |
| 168 | XXXX |  | XXXX | XXXX A C |
| 202 | XXXX |  | XXXX | XXXX C A |
| 186 | XXXX |  | XXXX | XXXX D A |
| 203 | XXXX |  | XXXX | XXXX D A |
| 159 | XXXX |  | XXXX | XXXX D C A |
| 223 | XXXX |  | XXXX | XXXX C D A |
| 167 | XXXX |  | XXXX | XXXX C A |
| 179 | XXXX |  | XXXX | XXXX D A |
| 149 | XXXX |  | XXXX | XXXX D A |
| 204 | XXXX |  | XXXX | XXXX D A B |
| 155 | XXXX |  | XXXX | XXXX D A B |
| 172 | XXXX |  | XXXX | XXXX C A |
| 216 | XXXX |  | XXXX | XXXX D C A |
| 181 | XXXX |  | XXXX | XXXX A |
| 170 | XXXX |  | XXXX | XXXX D A |
| 229 | XXXX |  | XXXX | XXXX A |
| 153 | XXXX |  | XXXX | XXXX D A B |
| 210 | XXXX |  | XXXX | XXXX C A |
| 231 | XXXX |  | XXXX | XXXX A B |
| 213 | XXXX |  | XXXX | XXXX A |
| 218 | XXXX |  | XXXX | XXXX A |
| 184 | XXXX |  | XXXX | XXXX A |
| 211 | XXXX |  | XXXX | XXXX A |
| 236 | XXXX |  | XXXX | XXXX A |
| 189 | XXXX |  | XXXX | XXXX C A |
| 207 | XXXX |  | XXXX | XXXX A |
| 187 | XXXX |  | XXXX | XXXX A |
| 191 | XXXX |  | XXXX | XXXX A |
| 157 | XXXX |  | XXXX | XXXX A |
| 156 | XXXX |  | XXXX | XXXX A |
| 180 | XXXX |  | XXXX | XXXX A |
| 174 | XXXX |  | XXXX | XXXX C B A |
| 237 | XXXX |  | XXXX | XXXX A |
| 162 | XXXX |  | XXXX | XXXX C A |
| 198 | XXXX |  | XXXX | XXXX A |
| 233 | XXXX |  | XXXX | XXXX A |
| 206 | XXXX |  | XXXX | XXXX C A B |
| 235 | XXXX |  | XXXX | XXXX D A |
| 214 | XXXX |  | XXXX | XXXX A |
| 205 | XXXX |  | XXXX | XXXX A |
| 219 | XXXX |  | XXXX | XXXX C A |
| 195 | XXXX |  | XXXX | XXXX A |
| 228 | XXXX |  | XXXX | XXXX A C B |
| 176 | XXXX |  | XXXX | XXXX A |
| 208 | XXXX |  | XXXX | XXXX A |
| 192 | XXXX |  | XXXX | XXXX A |
| 151 | XXXX |  | XXXX | XXXX C A B |
| 161 | XXXX |  | XXXX | XXXX D A |
| 232 | XXXX |  | XXXX | XXXX A |
| 152 | XXXX |  | XXXX | XXXX D A |
| 154 | XXXX |  | XXXX | XXXX C A |
| 150 | XXXX |  | XXXX | XXXX C A |
| 177 | XXXX |  | XXXX | XXXX D A |
| 147 | XXXX |  | XXXX | XXXX C A |
| 234 | XXXX |  | XXXX | XXXX A |
| 212 | XXXX |  | XXXX | XXXX A |
| 200 | XXXX |  | XXXX | XXXX C A |
| 173 | XXXX |  | XXXX | XXXX A |
| 166 | XXXX |  | XXXX | XXXX A |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 840 | XXXX | XXXX | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NV | Investment | Purchase | NA |  |  | XX |
| 841 | XXXX | XXXX | XXXX D A | Closed | xxx | 2025-11-07 11:28 | 2025-11-20 18:28 | 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/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br> Counter-Received credit report-provide Credit Gap Report - UDM or Credit Refresh with no credit score. - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-We've reviewed the G/L, and a gap credit report or soft pull will be needed to confirm that no new borrower debt obligations have been incurred.<br> There's no need to refresh the FICO scores. - Seller-11/XX/2025 <br> Counter-Received credit report-provide credit refresh or UDM without FICOs - Due Diligence Vendor-11/XX/2025 <br> Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). credit pulled XX/XX/XXXX closing date XX/XX/XXXX. udm not provided - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Ready for Review-We've reviewed the G/L, and a gap credit report or soft pull will be needed to confirm that no new borrower debt obligations have been incurred.<br> There's no need to refresh the FICO scores. - Seller-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-11/XX/2025<br>| Qualifying DTI below maximum allowed - qualifiy DTI 41.15% max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - minimum fico 700: current fico 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | FL | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 841 | XXXX | XXXX | XXXX D A | Closed | xxx | 2025-11-06 15:02 | 2025-11-13 10:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Open-The Final 1003 is Missing final 1003 missing for correct borrower. - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-Received Final 1003. - Due Diligence Vendor-03/XX/2026<br>| Qualifying DTI below maximum allowed - qualifiy DTI 41.15% max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - minimum fico 700: current fico 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | FL | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 841 | XXXX | XXXX | XXXX D A | Closed | xxx | 2025-11-06 15:02 | 2025-11-13 10:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-----Received initial 1003, Finding Resolved. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Counter-Rec'd final 1003, please provide copy of initial 1003. Finding remains. - Due Diligence Vendor-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Open-The Initial 1003 is Missing final 1003 missing for correct borrower. - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-----Received initial 1003, Finding Resolved. - Due Diligence Vendor-11/XX/2025<br>| Qualifying DTI below maximum allowed - qualifiy DTI 41.15% max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - minimum fico 700: current fico 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | FL | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 841 | XXXX | XXXX | XXXX D A | Closed | xxx | 2025-11-06 15:13 | 2025-11-13 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received borrower Citizenship Documentation. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. - Seller-11/XX/2025 <br>Open-Borrower Citizenship Documentation Is Missing Borrower Citizenship Documentation not provided - Due Diligence Vendor-11/XX/2025 | Ready for Review-Document Uploaded. - Seller-11/XX/2025<br>| Resolved-Received borrower Citizenship Documentation. - Due Diligence Vendor-03/XX/2026<br>| Qualifying DTI below maximum allowed - qualifiy DTI 41.15% max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - minimum fico 700: current fico 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | FL | Primary Residence | Purchase | NA | N/A | N/A | XX |
| 175 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | VA | Investment | Refinance | Cash Out - Other |  |  |  |
| 178 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | CA | Investment | Purchase | NA |  |  |  |
| 199 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | TX | Primary Residence | Purchase | NA |  |  |  |
| 194 | XXXX |  | XXXX C A | Closed | xxx | 2026-01-23 18:24 | 2026-01-27 14:07 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and seller to be added to the loan participant list. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/XX/2026<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. The borrower verified 7.71 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 743. Required is 720 Borrower has 743 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7281305 |
| 194 | XXXX |  | XXXX C A | Closed | xxx | 2026-01-23 16:00 | 2026-01-27 14:05 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received UW Attestation on warrantability of Condo. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Provide UW Attestation on warrantability of Condo. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026<br>| Resolved-Received UW Attestation on warrantability of Condo. - Due Diligence Vendor-03/XX/2026<br>| Months Reserves exceed minimum required - Guidelines require 3 months of reserves. The borrower verified 7.71 months of reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 743. Required is 720 Borrower has 743 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7278397 |
| 185 | XXXX |  | XXXX C A | Closed | xxx | 2026-01-23 18:20 | 2026-02-03 18:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, 5% LTV reduction is not required. Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Please escalate this file for manager review, as the current condition does not align with the Order of Eligibility applicable to this loan.<br> Per the Order of Eligibility, when a specific Product Matrix or Product Terms are referenced, the Matrix supersedes the general DSCR guideline. If an item is not addressed within the Product Matrix, only then should guidance defer to FNMA. In this case, the controlling product terms are clearly defined and fully addressed.<br> The lender notes the loan is qualified under the Coffee XXXX – DSCR 30-Year Fixed loan product. Under this product:<br>The Coffee XXXX product terms supersede the standard DSCR Guide, including Section 3.8.<br> The product explicitly allows up to 70% LTV with no LTV reduction, and no additional overlays or documentation requirements are imposed beyond what is stated in the product matrix.<br>As the governing product guidelines expressly address the eligibility and LTV requirements for this transaction, reliance on general DSCR Section 3.8 is not applicable in this scenario.<br> All required documentation per the XXXX Matrix has been provided and reviewed. The file is fully compliant under the controlling product guidelines, and therefore:<br>The condition being applied is outside the applicable eligibility hierarchy<br> No further documentation is required<br> The loan meets eligibility as submitted<br>Please proceed with manager review and immediate clearance of this condition. - Seller-01/XX/2026 <br> Counter-Received Matrix. If less than 0.8 DSCR, reduce LTV by 5% making LTV limited to 65%. Finding remains. - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. Lender notes Loan is qualified using XXXX product, which 1) supersedes DSCR section 3.8, 2) allows up to 70% LTV without any reduction to the LTV. Please see attached, No further documentation is required - Seller-01/XX/2026 <br> Open-Audited LTV of 70% exceeds Guideline LTV of 65% Maximum LTV on a cashout refinance with a DSCR of .0741 is only 65%. Loan closed at 70%, which exceeds the maximum allowed per guided. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Please escalate this file for manager review, as the current condition does not align with the Order of Eligibility applicable to this loan.<br> Per the Order of Eligibility, when a specific Product Matrix or Product Terms are referenced, the Matrix supersedes the general DSCR guideline. If an item is not addressed within the Product Matrix, only then should guidance defer to FNMA. In this case, the controlling product terms are clearly defined and fully addressed.<br> The lender notes the loan is qualified under the Coffee XXXX – DSCR 30-Year Fixed loan product. Under this product:<br>The Coffee XXXX product terms supersede the standard DSCR Guide, including Section 3.8.<br> The product explicitly allows up to 70% LTV with no LTV reduction, and no additional overlays or documentation requirements are imposed beyond what is stated in the product matrix.<br>As the governing product guidelines expressly address the eligibility and LTV requirements for this transaction, reliance on general DSCR Section 3.8 is not applicable in this scenario.<br> All required documentation per the Coffee XXXX – DSCR 30-Year Fixed Product Matrix has been provided and reviewed. The file is fully compliant under the controlling product guidelines, and therefore:<br>The condition being applied is outside the applicable eligibility hierarchy<br> No further documentation is required<br> The loan meets eligibility as submitted<br>Please proceed with manager review and immediate clearance of this condition. - Seller-01/XX/2026 <br>Ready for Review-Document Uploaded. Lender notes Loan is qualified using Coffee XXXX - DSCR 30 Yr Fixed loan product, which 1) supersedes DSCR section 3.8, 2) allows up to 70% LTV without any reduction to the LTV. Please see attached, No further documentation is required - Seller-01/XX/2026<br>| Resolved-Upon further review, 5% LTV reduction is not required. Audited LTV of 70% is less than or equal to Guideline LTV of 70% - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 733<br>Months Reserves exceed minimum required - Min reserves req'd 2 mths. Borrower has 105.86 mths in reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NH | Investment | Refinance | Cash Out - Other | N/A | N/A | 7281128 |
| 226 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-26 10:14 | 2026-01-29 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, Fraud reports supports borrower is on Title. Rent free letter no required. - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. Pease see attached LOE and mortgage statements for the borrower's primary residence. Please refer to the attached DV which supports borrower is on title. Since the borrower is on title, Rent-Free letter is not required. - Seller-01/XX/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing a complete 12 month mortgage payment history for all mortgages and or a rent free letter for the borrower on the primary residence. Subject to additional conditions. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Pease see attached LOE and mortgage statements for the borrower's primary residence. Please refer to the attached DV which supports borrower is on title. Since the borrower is on title, Rent-Free letter is not required. - Seller-01/XX/2026<br>| Resolved-Upon further review, Fraud reports supports borrower is on Title. Rent free letter no required. - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 25.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | GA | Primary Residence | Purchase | NA | N/A | N/A | 7294171 |
| 226 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-26 10:15 | 2026-01-29 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received borrower Citizenship Documentation. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing proof of the borrower's Permanent Resident Alien Card (Front & Back). - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026<br>| Resolved-Received borrower Citizenship Documentation. - Due Diligence Vendor-03/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 25.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | GA | Primary Residence | Purchase | NA | N/A | N/A | 7294194 |
| 226 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-26 10:33 | 2026-01-29 14:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026 <br>Open-Missing the $158/mth for properties 3d & 3e. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026<br>| Resolved-Received HOA verification. - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 25.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | GA | Primary Residence | Purchase | NA | N/A | N/A | 7294706 |
| 165 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Purchase | NA |  |  |  |
| 148 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 10:56 | 2026-02-04 16:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Upon further review, 12 month VOR was provided. Limitations do not apply - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-According to XXXX guidelines, section 4.2.3 First Time Home Buyer (FTHB) If a FTHB, for an investment property purchase, is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR, Must provide a rent-free letter. The loan file included a VOR for the borrower evidencing twelve consecutive months rental history. As such, the LTV is within allowable limits - Seller-02/XX/2026 <br> Counter-Received Matrix. For DSCR FTHB it says refer to guideline. Guideline 4.2.3 indicate Max LTV 70%. Finding remains. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Correction please see attached for the correct Matrix for the subject loan. Pleas note that effective 12/XX/2025, XXXX uses application date for both guidelines and program matrices; as such, the subject loan qualifies per the previously noted guidelines. - Seller-01/XX/2026 <br> Counter-Received Matrix. First Time Homebuyer 70% max and 6 months reserves required. Finding remains. - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to XXXX guidelines, section 4.2.3 First Time Home Buyer (FTHB)If a FTHB, for an investment property purchase, is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR, Must provide a rent-free letter. The loan file included a VOR for the borrower evidencing twelve consecutive months rental history. As such, the LTV is within allowable limits per the attached matrix. - Seller-01/XX/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 70% First Time Homebuyer max LTV is 70%<br> - Due Diligence Vendor-01/XX/2026 | Ready for Review-According to XXXX guidelines, section 4.2.3 First Time Home Buyer (FTHB) If a FTHB, for an investment property purchase, is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR, Must provide a rent-free letter. The loan file included a VOR for the borrower evidencing twelve consecutive months rental history. As such, the LTV is within allowable limits - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. Correction please see attached for the correct Matrix for the subject loan. Pleas note that effective 12/XX/2025, XXXX uses application date for both guidelines and program matrices; as such, the subject loan qualifies per the previously noted guidelines. - Seller-01/XX/2026 <br>Ready for Review-Document Uploaded. We respectfully disagree. According to XXXX guidelines, section 4.2.3 First Time Home Buyer (FTHB)If a FTHB, for an investment property purchase, is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR, Must provide a rent-free letter. The loan file included a VOR for the borrower evidencing twelve consecutive months rental history. As such, the LTV is within allowable limits per the attached matrix. - Seller-01/XX/2026<br>| Resolved-Upon further review, 12 month VOR was provided. Limitations do not apply - Due Diligence Vendor-02/XX/2026<br>| Long term residence - Long term residence of 10 years <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 Required is 700 Borrower has 788<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Purchase | NA | N/A | N/A | 7295144 |
| 148 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 10:56 | 2026-02-04 16:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, reserves are not required. Audited Reserves of 0.04 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-According to XXXX guidelines, section 4.2.3 First Time Home Buyer (FTHB) If a FTHB, for an investment property purchase, is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR, Must provide a rent-free letter. The loan file included a VOR for the borrower evidencing twelve consecutive months rental history. As such, the LTV is within allowable limits. - Seller-02/XX/2026 <br> Counter-Received Matrix. DSCR FTHB matrix says refer to guideline. Matrix indicate 6 months for >75% LTV. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Correction please see attached for the correct Matrix for the subject loan. Pleas note that effective 12/XX/2025, XXXX uses application date for both guidelines and program matrices; as such, the subject loan qualifies per the previously noted guidelines. Matrix attached in related finding - Seller-01/XX/2026 <br> Counter-Received Matrix. First Time Homebuyer 70% max and 6 months reserves required. Finding remains. - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-We respectfully disagree. According to XXXX guidelines, section 4.2.3 First Time Home Buyer (FTHB)If a FTHB, for an investment property purchase, is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR, Must provide a rent-free letter. The loan file included a VOR for the borrower evidencing twelve consecutive months rental history. As such, reserves are not required. VOR and Matrix attached in related finding - Seller-01/XX/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves are less than Guideline Required Reserves (Number of Months) - Due Diligence Vendor-01/XX/2026 | Ready for Review-According to XXXX guidelines, section 4.2.3 First Time Home Buyer (FTHB) If a FTHB, for an investment property purchase, is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR, Must provide a rent-free letter. The loan file included a VOR for the borrower evidencing twelve consecutive months rental history. As such, the LTV is within allowable limits. - Seller-02/XX/2026 <br>Ready for Review-Correction please see attached for the correct Matrix for the subject loan. Pleas note that effective 12/XX/2025, XXXX uses application date for both guidelines and program matrices; as such, the subject loan qualifies per the previously noted guidelines. Matrix attached in related finding - Seller-01/XX/2026 <br>Ready for Review-We respectfully disagree. According to XXXX guidelines, section 4.2.3 First Time Home Buyer (FTHB)If a FTHB, for an investment property purchase, is absent a complete rental history for the prior twelve (12) consecutive months, or is currently not paying any rent, that borrower is limited to: Maximum LTV 70%, Minimum 1.0:1.0 DSCR, Must provide a rent-free letter. The loan file included a VOR for the borrower evidencing twelve consecutive months rental history. As such, reserves are not required. VOR and Matrix attached in related finding - Seller-01/XX/2026<br>| Resolved-Upon further review, reserves are not required. Audited Reserves of 0.04 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-02/XX/2026<br>| Long term residence - Long term residence of 10 years <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 Required is 700 Borrower has 788<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Purchase | NA | N/A | N/A | 7295145 |
| 148 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 10:29 | 2026-02-04 16:40 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received PCCD confirming sufficient funds for closing. - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-01/XX/2026 <br>Open-Total Qualified Assets Post-Close amount is '$-67.41'. Assets are Insufficient. Provide source of sufficient assets - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached PCCD. - Seller-01/XX/2026<br>| Resolved-Received PCCD confirming sufficient funds for closing. - Due Diligence Vendor-01/XX/2026<br>| Long term residence - Long term residence of 10 years <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 Required is 700 Borrower has 788<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Purchase | NA | N/A | N/A | 7294557 |
| 148 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 18:10 | 2026-01-29 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received commercial application. Initial in file. - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026 <br>Open-Missing final 1003 - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026<br>| Resolved-Received commercial application. Initial in file. - Due Diligence Vendor-01/XX/2026<br>| Long term residence - Long term residence of 10 years <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 Required is 700 Borrower has 788<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Purchase | NA | N/A | N/A | 7304425 |
| 148 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 10:01 | 2026-01-29 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received complete HOI declaration. - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Provide Hazard Insurance Policy number. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026<br>| Resolved-Received complete HOI declaration. - Due Diligence Vendor-01/XX/2026<br>| Long term residence - Long term residence of 10 years <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 788 Required is 700 Borrower has 788<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Purchase | NA | N/A | N/A | 7293904 |
| 222 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | CA | Primary Residence | Purchase | NA |  |  |  |
| 190 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 183 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 17:54 | 2026-03-04 12:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Client provided XXXX statement and card #, card # matches CR however no payment amount shown. Credit Rept has last reported date of 10/25 statement provided is Jan 2026. I used 5% for payment amount, now reserves are met - Due Diligence Vendor-03/XX/2026 <br> Ready for Review-The XXXX statement provided corresponds to the same XXXX account reporting on the credit report.<br> American Express card numbers contain 15 digits. The statement displays the 15-digit card number (XXXX). The credit report reflects the same card number sequence with slight formatting variation.<br> The digits match, and there is only one XXXX tradeline reporting. The balance of $4,374 and the documented $40 minimum payment correspond to this same account.<br> There is no second XXXX account. The statement provided supports the tradeline reporting on the credit report.<br> Please re-review and clear this finding. <br> - Seller-03/XX/2026 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2026 <br> Counter-Statement provided is for XXXX account XXXX in which $40.00 monthly payment and a balance of $124.70 was included in the DTI. XXXX account 8393 with a balance $4,374 is reporting on the credit report. Review was unable to locate a monthly payment for this account. Finding remains. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Although the credit report does not reflect a required monthly payment for the XXXX open 30-day charge account, the borrower provided the December 2025 XXXX statement, which documents a required minimum monthly payment of $40.<br>In accordance with Non-QM underwriting guidelines, when a current account statement reflects a required minimum payment, the underwriter may use the documented payment amount rather than defaulting to a percentage-of-balance calculation.<br>Accordingly:<br>XXXX Balance: $4,374<br>Documented Minimum Payment (per 12/2025 statement): $40<br>Payment Used for Qualification: $40<br>The $40 monthly obligation was included in the borrower's liabilities on the final 1003 and fully considered in the DTI calculation.<br>Because:<br>The account is not required to be paid off at closing, and<br>A documented required minimum payment was used for qualification,<br>there is no requirement to verify assets sufficient to pay off the full $4,374 balance, and the asset calculation should not reflect a shortfall.<br>Please update the finding accordingly. Supporting documentation (12/2025 XXXX statement) is included in the file. Please clear this finding. - Seller-02/XX/2026 <br> Counter-No document received. Verified assets $98,259.91- $XXXX cash to close leave $XXXX Balance Monthly=$XXXX resulting in -$1,868.97 short funds. Per Guideline 8.9- Open 30-day charge accounts-or open 30-day charge accounts that do not reflect a monthly payment on the credit report, or 30- day accounts that reflect a monthly payment that is identical to the account balance, borrower funds must be verified to cover the account balance. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Please note the reserve calculation must consider total funds required, not cash to close alone. As detailed below:<br> • Total verified liquid assets: $78,723.91 (XXXX statements + 1003)<br> • Documented gift funds (not deposited, eligible for FTC): $19,536.00<br> • Total available assets: $98,259.91<br> Per Closing Disclosure:<br> • Cash to Close: $XXXX<br> • Required Reserves (6 months): $39,971.40<br> • Total funds required (FTC + reserves): $95,754.88<br> Borrower's total available assets of $98,259.91 exceed the total funds required of $95,754.88, resulting in an asset surplus of $2,505.03, as reflected in the Funds to Close Calculator.<br> In addition, the Escrow Receipt of Deposit included in the signed closing package has already been applied toward funds to close and must be considered in the reserve calculation.<br> The XXXX account balances (ending 8980) fully reconcile to the asset documentation, Funds to Close Calculator, and Closing Disclosure.<br> The loan meets the Non-QM funds to close and 6-month reserve requirements. Please clear this finding.<br> - Seller-02/XX/2026 <br> Counter-Reviewed assets appear to be the same as the lender. $98,259.91 total combined assets, $XXXX cash to close leave $XXXX available for reserves. $39,971.40 is required. 5.72 months reserves < 6 months minimum required. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. The borrower's verified liquid assets total $78,723.91 as reflected on the updated XXXX account statements and the 1003. In addition, gift funds of $19,536.00 (not deposited) are documented and permitted to be used towards funds to close, resulting in total available assets of $98,259.91, as shown in the Funds to Close Calculator. Per the Closing Disclosure: Cash to Close: XXXX . Required reserves (6 months) $39,971.40 and total funds required $95,754.88.<br> The borrower's total available assets of $98,259.91 exceed the total funds required of $95,754.88 resulting in an asset surplus of $2,505.03. The balances provided including XXXX account ending XXXX, fully reconcile to the asset documentation, the funds to close calculator and the closing disclosure. the loan therefore meets the Non-QM funds to close and reserve requirements. Please clear this finding. - Seller-02/XX/2026 <br> Counter-Received and updated XXXX. Funds insufficient -$1,868.97 to cover funds to close and reserves. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX Dec statement. - Seller-01/XX/2026 <br> Counter-Received asset break out. Review is missing XXX reflecting $28,260.41. Review reflects balance of $13,582.92 - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached funds to close calculator and 1003 snippet of Bank Accounts showing total verified assets of $78,723.91 and the corresponding bank statements were provided to you. Please clear this finding. - Seller-01/XX/2026 <br> Open-Audited Reserves of 3.53 month(s) are less than Guideline Required Reserves of 6 month(s) Provide sufficient assets to meet reserves requirement of 6m PITIA. - Due Diligence Vendor-01/XX/2026 | Ready for Review-The XXXX statement provided corresponds to the same XXXX account reporting on the credit report.<br> XXXX card numbers contain 15 digits. The statement displays the 15-digit card number (XXXX). The credit report reflects the same card number sequence with slight formatting variation.<br> The digits match, and there is only one XXXX tradeline reporting. The balance of $4,374 and the documented $40 minimum payment correspond to this same account.<br> There is no second XXXX account. The statement provided supports the tradeline reporting on the credit report.<br> Please re-review and clear this finding. <br> - Seller-03/XX/2026 <br> Ready for Review-Document Uploaded. - Seller-03/XX/2026 <br> Ready for Review-Document Uploaded. Although the credit report does not reflect a required monthly payment for the XXXX open 30-day charge account, the borrower provided the December 2025 XXXX statement, which documents a required minimum monthly payment of $40.<br>In accordance with Non-QM underwriting guidelines, when a current account statement reflects a required minimum payment, the underwriter may use the documented payment amount rather than defaulting to a percentage-of-balance calculation.<br>Accordingly:<br>XXXX Balance: $4,374<br>Documented Minimum Payment (per 12/2025 statement): $40<br>Payment Used for Qualification: $40<br>The $40 monthly obligation was included in the borrower's liabilities on the final 1003 and fully considered in the DTI calculation.<br>Because:<br>The account is not required to be paid off at closing, and<br>A documented required minimum payment was used for qualification,<br>there is no requirement to verify assets sufficient to pay off the full $4,374 balance, and the asset calculation should not reflect a shortfall.<br>Please update the finding accordingly. Supporting documentation (12/2025 XXXX statement) is included in the file. Please clear this finding. - Seller-02/XX/2026 <br> Ready for Review-Please note the reserve calculation must consider total funds required, not cash to close alone. As detailed below:<br> • Total verified liquid assets: $78,723.91 (XXXX statements + 1003)<br> • Documented gift funds (not deposited, eligible for FTC): $19,536.00<br> • Total available assets: $98,259.91<br> Per Closing Disclosure:<br> • Cash to Close: $XXXX<br> • Required Reserves (6 months): $39,971.40<br> • Total funds required (FTC + reserves): $95,754.88<br> Borrower's total available assets of $98,259.91 exceed the total funds required of $95,754.88, resulting in an asset surplus of $2,505.03, as reflected in the Funds to Close Calculator.<br> In addition, the Escrow Receipt of Deposit included in the signed closing package has already been applied toward funds to close and must be considered in the reserve calculation.<br> The Chase account balances (ending 8980) fully reconcile to the asset documentation, Funds to Close Calculator, and Closing Disclosure.<br> The loan meets the Non-QM funds to close and 6-month reserve requirements. Please clear this finding.<br> - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. The borrower's verified liquid assets total $78,723.91 as reflected on the updated XXXX account statements and the 1003. In addition, gift funds of $19,536.00 (not deposited) are documented and permitted to be used towards funds to close, resulting in total available assets of $98,259.91, as shown in the Funds to Close Calculator. Per the Closing Disclosure: Cash to Close: $XXXX . Required reserves (6 months) $39,971.40 and total funds required $95,754.88.<br> The borrower's total available assets of $98,259.91 exceed the total funds required of $95,754.88 resulting in an asset surplus of $2,505.03. The balances provided including XXXX account ending XXXX, fully reconcile to the asset documentation, the funds to close calculator and the closing disclosure. the loan therefore meets the Non-QM funds to close and reserve requirements. Please clear this finding. - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached chase XXXX Dec statement. - Seller-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached funds to close calculator and 1003 snippet of Bank Accounts showing total verified assets of $78,723.91 and the corresponding bank statements were provided to you. Please clear this finding. - Seller-01/XX/2026 | Resolved-Client provided XXXX statement and card #, card # matches CR however no payment amount shown. Credit Rept has last reported date of 10/25 statement provided is Jan 2026. I used 5% for payment amount, now reserves are met - Due Diligence Vendor-03/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7304352 |
| 183 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-27 11:08 | 2026-02-02 15:28 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received gift receipt. - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached escrow receipt of gift funds and gift letter for $19,536.00. - Seller-01/XX/2026 <br> Open-Asset 5 Does Not Meet Guideline Requirements Provide escrow wire/receipt verifying $19,536 Gift Funds received from Donor. Additional conditions may apply, pending review. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached escrow receipt of gift funds and gift letter for $19,536.00. - Seller-01/XX/2026<br>| Resolved-Received gift receipt. - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7312898 |
| 183 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 16:29 | 2026-01-29 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached DOT with legal description and PUD Rider. - Seller-01/XX/2026 <br>Open-PUD Rider is Missing Provide missing Rider to Mortgage Deed. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached DOT with legal description and PUD Rider. - Seller-01/XX/2026<br>| Resolved-Received PUD Rider - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7303282 |
| 183 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-21 14:46 | 2026-01-29 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached DOT with legal description and PUD Rider. - Seller-01/XX/2026 <br> Open-The Deed of Trust is Missing Deed of Trust is missing from the loan document. Additional conditions may apply, pending review. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached DOT with legal description and PUD Rider. - Seller-01/XX/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.33<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 759 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7222692 |
| 171 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-26 19:26 | 2026-02-09 17:03 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received AVM. Value supported within tolerance. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. AVM estimate is $XXXX as of XX/XX/XXXX with a high value of $XXXX while the appraised value is $XXXX. AVM shows a 97% high confidence. No issues found. - Seller-02/XX/2026 <br> Counter-Loan is a DSCR. 8.1.3 of the DSCR guidelines state both required to be 2.5 or less. Finding Remains. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-We respectfully request supervisory review of the appraisal review finding due to continued misapplication of the CU/LCA score requirements.<br>Per Section 10.1.5 – Appraisal Review Product (1–4 Residential Property), when both CU and LCA scores are provided, only one score is required to be 2.5 or less. Additional appraisal products are required only when the score relied upon for underwriting exceeds 2.5 or is indeterminate.<br>In this loan file, the CU score of 2.2 meets the guideline requirement and is the score relied upon for underwriting. The LCA score of 3.0 is supplemental and does not trigger the requirement for an AVM, desk review, field review, or second appraisal.<br>The current finding incorrectly applies a requirement that both scores must be 2.5 or less, which is not supported by Section 10.1.5. We respectfully request supervisory review to clear this finding. - Seller-01/XX/2026 <br> Counter-Received CU with score of 2.2. File included LCA with score of 3. Guideline indicate if both scores (CU & LCA) provided, both required to be 2.5 or less. If the score exceeds 2.5 or indeterminate/no score, the file must include either an AVM, enhanced desk review, field review, or second appraisal (in this order). Missing the AVM, Desk Review or 2nd Appraisal. - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached FNMA SSR score is 2.2. Please clear this finding. - Seller-01/XX/2026 <br> Open-Appraisal is Missing Missing the AVM, Desk Review or 2nd Appraisal, which is required when one of the CU or LPA scores are above 2.5. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. AVM estimate is $XXXX as of XX/XX/XXXX with a high value of $XXXX while the appraised value is $XXXX. AVM shows a 97% high confidence. No issues found. - Seller-02/XX/2026 <br> Ready for Review-We respectfully request supervisory review of the appraisal review finding due to continued misapplication of the CU/LCA score requirements.<br>Per Section 10.1.5 – Appraisal Review Product (1–4 Residential Property), when both CU and LCA scores are provided, only one score is required to be 2.5 or less. Additional appraisal products are required only when the score relied upon for underwriting exceeds 2.5 or is indeterminate.<br>In this loan file, the CU score of 2.2 meets the guideline requirement and is the score relied upon for underwriting. The LCA score of 3.0 is supplemental and does not trigger the requirement for an AVM, desk review, field review, or second appraisal.<br>The current finding incorrectly applies a requirement that both scores must be 2.5 or less, which is not supported by Section 10.1.5. We respectfully request supervisory review to clear this finding. - Seller-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached FNMA SSR score is 2.2. Please clear this finding. - Seller-01/XX/2026 | Resolved-Received AVM. Value supported within tolerance. - Due Diligence Vendor-02/XX/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR % is 0.75 Borrower has 1.026 Required is 0.75 Borrower has 1.026<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 742 Required is 660 Borrower has 742 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Purchase | NA | N/A | N/A | 7305162 |
| 171 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-26 19:59 | 2026-01-29 15:49 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller's Final Settlement Statement. - Due Diligence Vendor-03/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached ALTA Signed Seller's Settlement Statement. - Seller-01/XX/2026 <br> Open-The Final SELLER CD/HUD is missing. Missing the Seller's Final CD including all debts paid off. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached ALTA Signed Seller's Settlement Statement. - Seller-01/XX/2026<br>| Resolved-Received Seller's Final Settlement Statement. - Due Diligence Vendor-03/XX/2026<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR % is 0.75 Borrower has 1.026 Required is 0.75 Borrower has 1.026<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 742 Required is 660 Borrower has 742 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Purchase | NA | N/A | N/A | 7305397 |
| 182 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 238 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 20:30 | 2026-02-19 15:45 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received Gift Funds. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached $232,000 gift amount - Seller-02/XX/2026 <br> Counter-No new document provided. Provide an updated Gift Letter in the amount of $232,000 to meet guideline 9.6 for Documentation of Gift. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-we agree the Gift Exceeded the $220K amount on the Gift Letter, however, not material since the borrower did verify they had sufficient assets without the additional $12K. Borrower had an excess of $70K+ so the additional $12k did not impact the UW decision. Please expedite this to be cleared as soon as possible <br> - Seller-01/XX/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Provide an updated Gift Letter in the amount of $232,000. The Wire indicates $232,000 on 1/XX/2026 - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached $232,000 gift amount - Seller-02/XX/2026 <br>Ready for Review-we agree the Gift Exceeded the $220K amount on the Gift Letter, however, not material since the borrower did verify they had sufficient assets without the additional $12K. Borrower had an excess of $70K+ so the additional $12k did not impact the UW decision. Please expedite this to be cleared as soon as possible <br> - Seller-01/XX/2026<br>| Resolved-Received Gift Funds. - Due Diligence Vendor-02/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 33.25 Required is 50.49 Borrower has 33.25<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 764. Required is 660 Borrower has 764 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7305571 |
| 238 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 18:51 | 2026-01-29 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received Escrow instructions. For Sale by Owner - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached Escrow instructions in lieu of a Purchase Contract, The Subject is Not listed for sale on MLS, Property being sold by owner directly - Seller-01/XX/2026 <br> Open-Loan Purpose is Purchase but Purchase Contract is Missing. Provide Missing Purchase Contract. Additional condition may apply - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached Escrow instructions in lieu of a Purchase Contract, The Subject is Not listed for sale on MLS, Property being sold by owner directly - Seller-01/XX/2026<br>| Resolved-Received Escrow instructions. For Sale by Owner - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 33.25 Required is 50.49 Borrower has 33.25<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 764. Required is 660 Borrower has 764 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7305008 |
| 238 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-26 20:23 | 2026-01-29 15:53 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/XX/2026 <br> Open-Appraisal is Missing Provide Missing Appraisal to support the value of $XXXX. Additional condition may apply - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/XX/2026<br>| Resolved-Received Appraisal - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 33.25 Required is 50.49 Borrower has 33.25<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 764. Required is 660 Borrower has 764 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7305546 |
| 238 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-22 10:50 | 2026-01-29 15:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/XX/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/XX/2026<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 33.25 Required is 50.49 Borrower has 33.25<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 764. Required is 660 Borrower has 764 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7242074 |
| 197 | XXXX |  | XXXX C B A | Closed | xxx | 2026-01-27 08:05 | 2026-01-29 15:50 | 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-01/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Provide missing Legal Description/Exhibit A for Mortgage Deed of Trust. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/XX/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 13.58<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | NV | Primary Residence | Purchase | NA | N/A | N/A | 7308978 |
| 197 | XXXX |  | XXXX C B A | Closed | xxx | 2026-01-22 10:46 | 2026-01-22 11:47 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/XX/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '4'). Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-01/XX/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 13.58<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 727 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | NV | Primary Residence | Purchase | NA | Originator Post-Close | No | 7241980 |
| 163 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | KY | Investment | Refinance | Cash Out - Other |  |  |  |
| 221 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | TX | Investment | Purchase | NA |  |  |  |
| 193 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | TX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 225 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | GA | Primary Residence | Purchase | NA |  |  |  |
| 227 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA |  |  |  |
| 230 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | PA | Investment | Purchase | NA |  |  |  |
| 220 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA |  |  |  |
| 169 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-29 16:38 | 2026-02-18 17:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received confirmation both application were withdrawn. - Due Diligence Vendor-02/XX/2026 <br> Counter-Received LE. Both Estimates are refinances that reflect liens being paid off after subject. Provide VOM for both properties. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Property 36: XXXX<br> Property 37: XXXX<br>Both properties received conditional approval on 12/08 with XXXX Mortgage and have not yet closed. As a result, there is no existing mortgage or servicing in place, and a Verification of Mortgage is not available at this time.<br>For qualifying purposes, the proposed monthly PITIA reflected on the Loan Estimates for each property was used. Please clear this finding. - Seller-01/XX/2026 <br> Open-Provide verification of mortgage on Property 36 (XXXX) and Property 37 (XXXX). - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Property 36: XXX<br> Property 37:XXXX<br>Both properties received conditional approval on 12/08 with XXXX Mortgage and have not yet closed. As a result, there is no existing mortgage or servicing in place, and a Verification of Mortgage is not available at this time.<br>For qualifying purposes, the proposed monthly PITIA reflected on the Loan Estimates for each property was used. Please clear this finding. - Seller-01/XX/2026 | Resolved-Received confirmation both application were withdrawn. - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 111.05m.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.06 Required is 50 Borrower has 42.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 7359830 |
| 169 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 05:44 | 2026-02-18 17:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation of withdrawn application for the refinances. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. The Loan Estimates (LEs) for the pending properties indicate the applications were withdrawn. However, underwriting continued to rely on the LE documentation in the analysis. Both properties are construction loans. The property at XXXX reflects a monthly mortgage payment of $4,000, while the property at XXXX does not reflect any mortgage payment obligation. Please clear this finding. - Seller-02/XX/2026 <br> Counter-Received LEs for pending properties. For properties closing after subject, provide existing mortgages. The higher of the two will be used. Once documents are received, income will need to be updated. Additional findings may apply. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached documents you requested. The property located at XXXX is owned by the corporation XXXX., not by the borrower individually. Therefore, it is not listed on the borrower's 1003.<br>The other properties reflected on the 1003 that are also titled under XXXX. appear as REO because they were being refinanced by the borrower, which is why they are disclosed on the application. Please clear this finding. As for XXXX, this property is vested on XXXX that is why it was not included on the 1003 as evidenced by the attached title report. Please clear this findings. - Seller-01/XX/2026 <br> Open-1. Property 31 (XXXX): Provide missing docs to verify property taxes, & HOA. 2. Property 6 (XXXX) Provide docs to verify taxes. 3. Property 38 XXXX: Provide docs to verify loan terms & escrows. 4. Property (XXXX): Property was not listed on 1003, add to 1003 and execute corrected 1003. . Property 34 (XXXX): Provide docs to verify taxes and HOI. 6. Property 35 (XXXX): Provide docs to verify taxes. 7. Property 33 (XXXXX): Provide docs to verify taxes and HOI. 8. Property 32 (XXXX): Provide docs to verify taxes. 9. Property 36 (XXXX): Provide docs to verify loan terms & escrows. 10. Property 37 (XXXX): Provide docs to verify loan terms & escrows. 11. Property (XXXX): Property not listed on 1003, yet tax bill provided. Clarify if still owned and either add to 1003 or provide docs to verify no longer owned. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. The Loan Estimates (LEs) for the pending properties indicate the applications were withdrawn. However, underwriting continued to rely on the LE documentation in the analysis. Both properties are construction loans. The property at XXXX reflects a monthly mortgage payment of $4,000, while the property at XXXX does not reflect any mortgage payment obligation. Please clear this finding. - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached documents you requested. The property located at XXXX is owned by the corporation XXXX, not by the borrower individually. Therefore, it is not listed on the borrower's 1003.<br>The other properties reflected on the 1003 that are also titled underXXXX. appear as REO because they were being refinanced by the borrower, which is why they are disclosed on the application. Please clear this finding. As forXXXX, this property is vested on XXXX that is why it was not included on the 1003 as evidenced by the attached title report. Please clear this findings. - Seller-01/XX/2026 | Resolved-Received confirmation of withdrawn application for the refinances. - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 111.05m.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.06 Required is 50 Borrower has 42.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 7366547 |
| 169 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 07:39 | 2026-02-04 08:24 | 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-02/XX/2026 <br>Ready for Review-Document Uploaded. Please attached Exclusionary List - Settlement Agent shows 0 matches. Please clear this finding - Seller-01/XX/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Settlement agent to be added to the loan participant list. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please attached Exclusionary List - Settlement Agent shows 0 matches. Please clear this finding - Seller-01/XX/2026<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 111.05m.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.06 Required is 50 Borrower has 42.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 7369673 |
| 224 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-29 11:23 | 2026-02-02 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received confirmation 1.25% considered for tax rate. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Your finding indicates missing evidence of property tax and missing lender calculation for qualifying taxes. This finding is not applicable.<br> For properties located in California, property taxes are assessed pursuant to Proposition 13 and are based on the purchase price, as no current tax bill exists for newly acquired or recently transferred properties at the time of underwriting.<br> Per standard underwriting praxxxe, qualifying property taxes were calculated using 1.25% of the purchase price, which reflects the base tax rate inclusive of the 1.00% general levy plus applicable assessments.<br> Lender calculation for qualifying property taxes is as follows:<br> • Purchase Price: $________<br> • Tax Rate: 1.25%<br> • Annual Property Taxes: $________<br> • Monthly Property Taxes (qualifying): $________<br> This methodology is consistent with California tax assessment praxxxes and lender guidelines when a current tax bill is unavailable. Accordingly, the qualifying tax calculation is supported and documented in the loan file.<br> Please clear this finding.<br> - Seller-01/XX/2026 <br>Open-Missing Evidence of Property Tax Missing lender calculation for qualifying taxes. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Your finding indicates missing evidence of property tax and missing lender calculation for qualifying taxes. This finding is not applicable.<br> For properties located in California, property taxes are assessed pursuant to Proposition 13 and are based on the purchase price, as no current tax bill exists for newly acquired or recently transferred properties at the time of underwriting.<br> Per standard underwriting praxxxe, qualifying property taxes were calculated using 1.25% of the purchase price, which reflects the base tax rate inclusive of the 1.00% general levy plus applicable assessments.<br> Lender calculation for qualifying property taxes is as follows:<br> • Purchase Price: $________<br> • Tax Rate: 1.25%<br> • Annual Property Taxes: $________<br> • Monthly Property Taxes (qualifying): $________<br> This methodology is consistent with California tax assessment praxxxes and lender guidelines when a current tax bill is unavailable. Accordingly, the qualifying tax calculation is supported and documented in the loan file.<br> Please clear this finding.<br> - Seller-01/XX/2026<br>| Resolved-Received confirmation 1.25% considered for tax rate. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 798<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.29 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7353154 |
| 224 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-23 12:18 | 2026-02-02 08:36 | 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-02/XX/2026 <br>Ready for Review-Document Uploaded. THIS FEE WAS DISCLOSED ON THE LE, CD #1 AND THE FINAL CD. LE ATTACHED - Seller-01/XX/2026 <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 determixxx according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $95.00.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 $95.00 (Electronic Document (Custom 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 $95.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: 01/XX/2027.<br> - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. THIS FEE WAS DISCLOSED ON THE LE, CD #1 AND THE FINAL CD. LE ATTACHED - Seller-01/XX/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 798<br>LTV is less than guideline maximum - Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.29 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7273477 |
| 188 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 09:38 | 2026-02-03 16:38 | 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-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached Final CD dated 1-20-26 showing $101.08 per month for Haz Ins. Please clear this finding. - Seller-01/XX/2026 <br> Open-Provide HOI for REO 3b: xxx. Mortgage statement indicates no escrows. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached Final CD dated XX/XX/XXXX showing $101.08 per month for Haz Ins. Please clear this finding. - Seller-01/XX/2026 | Resolved-Received Final CD. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Required is 660 Borrower has 759<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.95 Required is 50 Borrower has 15.95 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | IN | Investment | Purchase | NA | N/A | N/A | 7372846 |
| 188 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-29 16:20 | 2026-02-03 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Good Standing. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Indiana SOS Business Search run 1-30-2 for xxx shows business status is active. Please clear this finding. - Seller-01/XX/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide current existence of the business within 60 days of the note date. All documentation in file is dated 07/2015. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached Indiana SOS Business Search run 1-30-2 for XXXX shows business status is active. Please clear this finding. - Seller-01/XX/2026 | Resolved-Received Good Standing. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Required is 660 Borrower has 759<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.95 Required is 50 Borrower has 15.95 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | IN | Investment | Purchase | NA | N/A | N/A | 7359564 |
| 188 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 09:11 | 2026-02-03 16:31 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached LPA list showing Appraiser, Seller, Seller 3 because there is no Seller 2 on Data Verify but this file has 2 sellers, and Settlement Agent showing 0 matches. Please clear this finding. - Seller-01/XX/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser, seller, and settlement agent to be added to the loan participant list. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached LPA list showing Appraiser, Seller, Seller 3 because there is no Seller 2 on Data Verify but this file has 2 sellers, and Settlement Agent showing 0 matches. Please clear this finding. - Seller-01/XX/2026<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Required is 660 Borrower has 759<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.95 Required is 50 Borrower has 15.95 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | IN | Investment | Purchase | NA | N/A | N/A | 7371785 |
| 188 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-29 16:43 | 2026-02-03 16:29 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received Final CD - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached documentation - Final CD dated 1-20-26 for xxx showing cash out to our Borrower - xxx for $ xxx This cash-out refi transaction was being processed through XXXX Mortgage Loan number xxx concurrently with the purchase of an investment property - xxx xx, xx. also through XXXX Mortgage. Please clear this finding. - Seller-01/XX/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing proof of proceeds from secured loan. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached documentation - Final CD dated XX/XX/XXXX for XXXX showing cash out to our Borrower - XXXX for $ XXXX This cash-out refi transaction was being processed through XXXX Mortgage Loan number XXXX concurrently with the purchase of an investment property - XXXX also through XXXX Mortgage. Please clear this finding. - Seller-01/XX/2026 | Resolved-Received Final CD - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 759 Required is 660 Borrower has 759<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 15.95 Required is 50 Borrower has 15.95 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | IN | Investment | Purchase | NA | N/A | N/A | 7359885 |
| 196 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 164 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-29 15:56 | 2026-02-07 16:06 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Please escalate this for manager review, the Email is from title, No further documentation is required. - Seller-02/XX/2026 <br>Counter-Received email "Items will not show". Title to confirm liens satisfied. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Disagree, Please see title email correspondence which states Items 8-12 will not show on final title policy when issued. Attached for your review - Seller-02/XX/2026 <br>Open-Property Title Issue THERE ARE 4 MORTGAGE/DEEDS ON THE TITLE ONLY ONE WAS PAID OFF ON SELLER CLOSING STATEMENT? - Due Diligence Vendor-01/XX/2026 | Ready for Review-Please escalate this for manager review, the Email is from title, No further documentation is required. - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. Disagree, Please see title email correspondence which states Items 8-12 will not show on final title policy when issued. Attached for your review - Seller-02/XX/2026<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 791<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7359155 |
| 164 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 09:05 | 2026-02-06 16:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI and confirmed no HOA. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Counter requesting xxx HOI, is not valid, this was uploaded previously (see 2nd attachment), Please clear. Also, Lender notes property profiles show Land Use reflects as NOT in a PUD nor Condo type. All the properties that are not identified as PUD or Condo types do not require HOA explaxxxs or any other documentation. - Seller-02/XX/2026 <br> Counter-Received Mortgage statements, Taxes, and Ins for REOs. Missing HOI for xxx and confirmation if HOA exist. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached, Lender notes the property profiles provided are used to verify taxes due and TYPE of Property, None are showing any association type. All PITI have been verified, as follows: <br> CONVRT to NOO 1xx\*\*\*xxx mtg $760K / $6,439, HOI $323.76 - TAX $1,230.88<br> NOO xxxx\*\*\* xxx Mtg $694k / $5,867 , HOI $241.77 - TAX $1,778.84<br> NOO xxx \*\*\* No Mtg, HOI $86.02 - TAX $1,275.92<br> NOO xxx \*\*\* No Mtg, HOI $135.42 - TAX $1,032.32<br> - Seller-02/XX/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property for all four properties listed on REO section of application. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Counter requesting XXXX. HOI, is not valid, this was uploaded previously (see 2nd attachment), Please clear. Also, Lender notes property profiles show Land Use reflects as NOT in a PUD nor Condo type. All the properties that are not identified as PUD or Condo types do not require HOA explaxxxs or any other documentation. - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached, Lender notes the property profiles provided are used to verify taxes due and TYPE of Property, None are showing any association type. All PITI have been verified, as follows: <br> CONVRT to XXXX \*\*\*XXXX / $6,439, HOI $323.76 - TAX $1,230.88<br> NOO XXXX \*\*\* XXXX / $5,867 , HOI $241.77 - TAX $1,778.84<br> NOOXXXX \*\*\* No Mtg, HOI $86.02 - TAX $1,275.92<br> NOOXXXX \*\*\* No Mtg, HOI $135.42 - TAX $1,032.32<br> - Seller-02/XX/2026 | Resolved-Received HOI and confirmed no HOA. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 791<br>LTV is less than guideline maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7371481 |
| 209 | XXXX |  | XXXX C A | Closed | xxx | 2026-01-23 18:58 | 2026-01-29 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Project Warrantable is Unable to Determine | Resolved-Warantability documentation is acceptable. - Due Diligence Vendor-01/XX/2026 <br>Ready for Review-Please note the subject is in a 3 unit condo project, and per FNMA, a limited condo questionnaire is not required. The property is not non-warrantable and a tape desigxxx is incorrect. - Seller-01/XX/2026 <br>Open-The tape data indicates that the Condo is non warrantable. The 1008 indicates that The subject is only a 3 unit condo project. Therefore, a limited condo questionnaire is not required. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Please note the subject is in a 3 unit condo project, and per FNMA, a limited condo questionnaire is not required. The property is not non-warrantable and a tape desigxxx is incorrect. - Seller-01/XX/2026<br>| Resolved-Warantability documentation is acceptable. - Due Diligence Vendor-01/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 793. Required is 700 Borrower has 793<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 67.83%. Required is 75 Borrower has 67.83 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 7281570 |
| 215 | XXXX |  | XXXX C A | Closed | xxx | 2026-01-23 16:42 | 2026-02-02 11:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.05 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached FINAL Closing disclosure with actual funds required to close - Seller-01/XX/2026 <br>Open-Audited Reserves of 5.97 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached FINAL Closing disclosure with actual funds required to close - Seller-01/XX/2026<br>| Resolved-Audited Reserves of 6.05 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - LTV Required is 85% Borrower has 60%. Required is 85 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 680 Borrower has 817. Required is 680 Borrower has 817<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.81 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7279116 |
| 160 | XXXX |  | XXXX C A | Closed | xxx | 2026-01-30 08:18 | 2026-02-26 12:13 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Client provided borrower bank statements verifying deposits totaling $192360. These deposits were made in 2021/2022 as EMD deposits. This is not a seller contribution - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. The Seller's Final CD reflects a credit of $192,360; however, these funds are not seller-paid contributions and do not represent an Interested Party Contribution (IPC).<br> The $192,360 represents the borrower's own Earnest Money Deposits (EMD) previously paid directly by the borrower to the seller/developer as follows:<br> • September 2021: $96,180<br> • November 2021: $48,090<br> • July 2022: $48,090<br> • Total EMD Deposited: $192,360<br> An EMD Escrow Letter dated 12/XX/2025 has been provided confirming the breakdown of funds currently held:<br> • $176,780.96 – Construction disbursement held by the developer<br> • $15,579.04 – Funds held by xxx (xxx)<br> • Total: $192,360.00<br> These funds originated from the borrower and are fully supported by:<br> • Executed purchase contract showing the EMD deposit structure<br> • Bank statements evidencing the source of the EMD funds<br> • Escrow confirmation letter verifying amounts held<br> The credit shown on the Seller CD reflects the return and/or application of the borrower's own previously deposited EMD funds and does not constitute a seller contribution. Therefore, no Interested Party Contribution exists, and IPC limits are not applicable.<br> We respectfully request this finding be cleared.<br> - Seller-02/XX/2026 <br> Counter-Received Seller CD. Seller paid $192,360 deposit for Borrower. This was not disclosed as a seller contribution on purchase contract. Note contribution exceed IPC limit of 6%. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller CD. - Seller-02/XX/2026 <br> Open-The Final SELLER CD/HUD is missing. Missing the Seller's CD/ HUD. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. The Seller's Final CD reflects a credit of $192,360; however, these funds are not seller-paid contributions and do not represent an Interested Party Contribution (IPC).<br> The $192,360 represents the borrower's own Earnest Money Deposits (EMD) previously paid directly by the borrower to the seller/developer as follows:<br> • September 2021: $96,180<br> • November 2021: $48,090<br> • July 2022: $48,090<br> • Total EMD Deposited: $192,360<br> An EMD Escrow Letter dated 12/XX/2025 has been provided confirming the breakdown of funds currently held:<br> • $176,780.96 – Construction disbursement held by the developer<br> • $15,579.04 – Funds held by XXXX<br> • Total: $192,360.00<br> These funds originated from the borrower and are fully supported by:<br> • Executed purchase contract showing the EMD deposit structure<br> • Bank statements evidencing the source of the EMD funds<br> • Escrow confirmation letter verifying amounts held<br> The credit shown on the Seller CD reflects the return and/or application of the borrower's own previously deposited EMD funds and does not constitute a seller contribution. Therefore, no Interested Party Contribution exists, and IPC limits are not applicable.<br> We respectfully request this finding be cleared.<br> - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached Seller CD. - Seller-02/XX/2026 | Resolved-Client provided borrower bank statements verifying deposits totaling $192360. These deposits were made in 2021/2022 as EMD deposits. This is not a seller contribution - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640 Borrower has 800 Required is 640 Borrower has 800<br>DSCR % greater than 1.20 - DSCR % greater than 1.20. Min is 0 Borrower has 1.217 Required is 0 Borrower has 1.217<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 60 Required is 80 Borrower has 60<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. min is 0 Borrower has 1.217 Required is 0 Borrower has 1.217 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Purchase | NA | N/A | N/A | 7370452 |
| 217 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 10:54 | 2026-02-03 17:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received PITIA - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached documents: 2nd lien note, VOM - xxx , Tax cert, HOA Fee, xxx. and Final CD. Please clear this finding. - Seller-01/XX/2026 <br> Open-1. Property B (859 S): Provide missing xxx statement to verify payment and escrows included. If escrows are not included, provide verification of all escrows.<br>2. Property B (859 S): Provide loan docs to verify terms of new XXXX 2nd. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached documents: 2nd lien note, VOM - xxx Mtg , Tax cert, HOA Fee, Haz Ins. and Final CD. Please clear this finding. - Seller-01/XX/2026 | Resolved-Received PITIA - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797<br>LTV is less than guideline maximum - Required is 90 Borrower has 78.43 Required is 90 Borrower has 78.43 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7375051 |
| 217 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 10:43 | 2026-02-03 17:46 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received Final CD for Cash out refi. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Final CD darted 1-20-26 from XXXX Loan Number 54389 showing proceeds of $483,282.44. Please clear this finding. - Seller-01/XX/2026 <br>Open-Asset Record 3 Does Not Meet G/L Requirements Property B (859 S): Provide docs to verify net proceeds of $467K from New XXXX 2nd. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached Final CD darted 1-20-26 from XXXX Loan Number XXXX showing proceeds of $XXXX. Please clear this finding. - Seller-01/XX/2026 | Resolved-Received Final CD for Cash out refi. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 797<br>LTV is less than guideline maximum - Required is 90 Borrower has 78.43 Required is 90 Borrower has 78.43 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7374606 |
| 158 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Purchase | NA |  |  |  |
| 201 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | ND | Investment | Refinance | Cash Out - Other |  |  |  |
| 168 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 202 | XXXX |  | XXXX C A | Closed | xxx | 2026-01-30 23:57 | 2026-02-02 17:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Rent free letter provided. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br>Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026<br>| Resolved-Rent free letter provided. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 786. Required is 720 Borrower has 786<br>LTV is less than guideline maximum - LTV Required is 85% Borrower has 80%. Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 37.8%. Required is 50 Borrower has 37.8 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Second Home | Purchase | NA | N/A | N/A | 7386427 |
| 186 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 16:37 | 2026-02-05 17:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received sufficient documentation to support existence and activity. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Nothing needs to be uploaded when referencing documents already in the delivered loan file. According to the income calculation worksheet, the loan was approved based on the standard 50% factor per XXXX Non QM section 7.1.1 Business Bank Statements; therefore, additional documentation is not required. Documentation to support the business existence was included in the delivered loan file and uploaded in a related finding. - Seller-02/XX/2026 <br>Counter-No document uploaded. 7.1.1 o The business being used to source income must be in existence for a minimum of one (1) year<br> as evidenced by one of the following:▪ CPA Letter▪ Business License▪ Other reasonable evidence of business activity- Finding remains. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-According to the business narrative the expenses factor is 30%. According to the income calculation worksheet, the loan was approved based on the standard 50% factor per XXXX Non QM section 7.1.1 Business Bank Statements; therefore, additional documentation is not required. - Seller-02/XX/2026 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter verifying the existence of the borrower's business and expense factor - Due Diligence Vendor-01/XX/2026 | Ready for Review-Nothing needs to be uploaded when referencing documents already in the delivered loan file. According to the income calculation worksheet, the loan was approved based on the standard 50% factor per XXXX Non QM section 7.1.1 Business Bank Statements; therefore, additional documentation is not required. Documentation to support the business existence was included in the delivered loan file and uploaded in a related finding. - Seller-02/XX/2026 <br>Ready for Review-According to the business narrative the expenses factor is 30%. According to the income calculation worksheet, the loan was approved based on the standard 50% factor per XXXX Non QM section 7.1.1 Business Bank Statements; therefore, additional documentation is not required. - Seller-02/XX/2026<br>| Resolved-Received sufficient documentation to support existence and activity. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 759. Required is 700 Borrower has 759<br>LTV is less than guideline maximum - LTV Required is 80% Borrower has 75%. Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.41 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | IN | Investment | Refinance | Cash Out - Other | N/A | N/A | 7382728 |
| 186 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 16:47 | 2026-02-05 17:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received sufficient documentation to support existence and activity. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-xxx is the DBA as noted on the 1003, the borrower's business name is XX This along with the documentation delivered with the loan file support the business is in existence and active. Please escalate and clear finding. - Seller-02/XX/2026 <br> Counter-Received proof of xxx. Business noted is a DBA. Provide proof of DBA. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of the existence of the business within 60 days of the Note date. - Due Diligence Vendor-01/XX/2026 | Ready for Review-XXXX is the DBA as noted on the 1003, the borrower's business name is XXXX This along with the documentation delivered with the loan file support the business is in existence and active. Please escalate and clear finding. - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 | Resolved-Received sufficient documentation to support existence and activity. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 759. Required is 700 Borrower has 759<br>LTV is less than guideline maximum - LTV Required is 80% Borrower has 75%. Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.41 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | IN | Investment | Refinance | Cash Out - Other | N/A | N/A | 7382849 |
| 186 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-31 13:09 | 2026-02-03 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received borrower Citizenship Documentation. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing a copy of the back of the borrower's Employment Authorization card<br> - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026<br>| Resolved-Received borrower Citizenship Documentation. - Due Diligence Vendor-03/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 759. Required is 700 Borrower has 759<br>LTV is less than guideline maximum - LTV Required is 80% Borrower has 75%. Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.41 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | IN | Investment | Refinance | Cash Out - Other | N/A | N/A | 7387855 |
| 203 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-31 15:02 | 2026-02-04 17:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received Commercial Loan Application. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Final Commercial Loan Application - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached 10K wire - Seller-02/XX/2026 <br>Open-Missing Final Commercial Loan Application - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached Final Commercial Loan Application - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached 10K wire - Seller-02/XX/2026<br>| Resolved-Received Commercial Loan Application. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Months Reserves exceed minimum required - 3.72 mos reserves; 0 required<br>On time mortgage history exceeds guideline requirement - 0x30x27 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | VA | Investment | Purchase | NA | N/A | N/A | 7388058 |
| 203 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 12:58 | 2026-02-04 17:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-Received Loan Agreement - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. The Definition terms sheet is a generic doc and not part of the Note and a not signed document. Please waive this finding - Seller-02/XX/2026 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. Missing Loan Agreement (per Disclosure Tracking Details, this document was sent to closing for signature) - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. The Definition terms sheet is a generic doc and not part of the Note and a not signed document. Please waive this finding - Seller-02/XX/2026<br>| Resolved-Received Loan Agreement - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Months Reserves exceed minimum required - 3.72 mos reserves; 0 required<br>On time mortgage history exceeds guideline requirement - 0x30x27 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | VA | Investment | Purchase | NA | N/A | N/A | 7379104 |
| 203 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-31 15:19 | 2026-02-04 17:08 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received wire receipt. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026 <br>Open-Asset 5 Does Not Meet Guideline Requirements Missing evidence of wire transfer of gift funds to title company for $10,000 - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026<br>| Resolved-Received wire receipt. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Months Reserves exceed minimum required - 3.72 mos reserves; 0 required<br>On time mortgage history exceeds guideline requirement - 0x30x27 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | VA | Investment | Purchase | NA | N/A | N/A | 7388075 |
| 203 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-30 13:57 | 2026-02-04 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Seller Closing Statement. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026 <br>Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026<br>| Resolved-Received Seller Closing Statement. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Months Reserves exceed minimum required - 3.72 mos reserves; 0 required<br>On time mortgage history exceeds guideline requirement - 0x30x27 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | VA | Investment | Purchase | NA | N/A | N/A | 7380230 |
| 203 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-27 15:34 | 2026-02-04 17:06 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received DOT - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached MTG DOT Legal - Seller-02/XX/2026 <br>Open-The Deed of Trust is Missing Missing DOT with all attachments and Riders - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached MTG DOT Legal - Seller-02/XX/2026<br>| Resolved-Received DOT - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Months Reserves exceed minimum required - 3.72 mos reserves; 0 required<br>On time mortgage history exceeds guideline requirement - 0x30x27 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | VA | Investment | Purchase | NA | N/A | N/A | 7318536 |
| 203 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-31 14:57 | 2026-02-04 17:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received executed Note. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026 <br>Open-There are Issues Present on the Note that must be addressed. Note and Prepayment Addendum to Note are not executed - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026<br>| Resolved-Received executed Note. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 736<br>Months Reserves exceed minimum required - 3.72 mos reserves; 0 required<br>On time mortgage history exceeds guideline requirement - 0x30x27 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | VA | Investment | Purchase | NA | N/A | N/A | 7388047 |
| 159 | XXXX |  | XXXX D A C | Closed | xxx | 2026-02-02 10:27 | 2026-02-04 16:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received corrected Hazard Insurance Policy - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see page 5 of 20 of the current hazard insurance showing XXXX Mortgage as 1st mortgagee. No issues found. - Seller-02/XX/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Most current endorsement on policy dated 01/XX/2026 is showing XXXX as a 2nd mortgage. This refinanced paid off SPS. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see page 5 of 20 of the current hazard insurance showing XXXX Mortgage as 1st mortgagee. No issues found. - Seller-02/XX/2026<br>| Resolved-Received corrected Hazard Insurance Policy - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 748<br>LTV is less than guideline maximum - LTV is less than guideline maximum Required is 85 Borrower has 79.93 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7397914 |
| 159 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-28 08:11 | 2026-02-04 08:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. TRID timing is based on when the CD is sent, not when it's signed.<br> As long as the CD dated 1/14 (with the COC for the lock) was properly delivered to the borrower, the disclosure requirement is met.<br>A borrower signature is not required for a CD to be valid.<br> The borrower does not have to access or sign the 1/14 CD for it to count as disclosed.<br>The 1/15 CD being signed is sufficient.<br> The CD dated 1/15 becomes the executed CD in the file. It does not invalidate or replace the fact that the lock fee was disclosed on 1/14. - Seller-02/XX/2026 <br>Open------Missing revised CD dated 01/XX/2026 acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is 01/XX/2029. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. TRID timing is based on when the CD is sent, not when it's signed.<br> As long as the CD dated XX/XX/XXXX (with the COC for the lock) was properly delivered to the borrower, the disclosure requirement is met.<br>A borrower signature is not required for a CD to be valid.<br> The borrower does not have to access or sign the XX/XX/XXXX CD for it to count as disclosed.<br>The XX/XX/XXXX CD being signed is sufficient.<br> The CD dated XX/XX/XXXX becomes the executed CD in the file. It does not invalidate or replace the fact that the lock fee was disclosed on 1/14. - Seller-02/XX/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 748<br>LTV is less than guideline maximum - LTV is less than guideline maximum Required is 85 Borrower has 79.93 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7326798 |
| 159 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-27 16:03 | 2026-02-04 08:40 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received acknowledgement of receipt. Finding Resolved. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. TRID timing is based on when the CD is sent, not when it's signed.<br> As long as the CD dated 1/14 (with the COC for the lock) was properly delivered to the borrower, the disclosure requirement is met.<br>A borrower signature is not required for a CD to be valid.<br> The borrower does not have to access or sign the 1/14 CD for it to count as disclosed.<br>The 1/15 CD being signed is sufficient.<br> The CD dated 1/15 becomes the executed CD in the file. It does not invalidate or replace the fact that the lock fee was disclosed on 1/14. - Seller-02/XX/2026 <br>Open------CD 01/XX/2026 is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is 01/XX/2029. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. TRID timing is based on when the CD is sent, not when it's signed.<br> As long as the CD dated XX/XX/XXXX (with the COC for the lock) was properly delivered to the borrower, the disclosure requirement is met.<br>A borrower signature is not required for a CD to be valid.<br> The borrower does not have to access or sign the XX/XX/XXXX CD for it to count as disclosed.<br>The XX/XX/XXXX CD being signed is sufficient.<br> The CD dated XX/XX/XXXX becomes the executed CD in the file. It does not invalidate or replace the fact that the lock fee was disclosed on 1/14. - Seller-02/XX/2026 | Resolved-----Received acknowledgement of receipt. Finding Resolved. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 660 Borrower has 748<br>LTV is less than guideline maximum - LTV is less than guideline maximum Required is 85 Borrower has 79.93 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7319017 |
| 223 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-27 13:23 | 2026-02-09 15:35 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached correct copy uploaded - Seller-02/XX/2026 <br>Counter-Received DOT. Legal not attached. . Please provide chain of documents to confirmed Exhibit A has been recorded with DOT - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Copy of MTG DOT Legal - Seller-02/XX/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing all pages except page 1 of DOT. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached correct copy uploaded - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Copy of MTG DOT Legal - Seller-02/XX/2026<br>| Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 727 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 7316340 |
| 223 | XXXX |  | XXXX D A C | Closed | xxx | 2026-01-30 16:14 | 2026-02-04 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Lender notes Loan qualifies with the credit history at 0x60 meets the requirements initial max 80% LTV – 5 = 75% LTV max and loan closed at 70% LTV. Please see attached matrix - Seller-02/XX/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Borrower has had a 1 x 30 in the past 12 months on the subject property. Also have a 1 x 30 on credit report for a different investment property. MATRIX SHOWS MAX HOUSING LATES 1 X 30 IN HE PAST 12 MONTHS. Guides: 6.7 Housing History • Any housing event reported on the credit report for any property owned by the borrower needs to be included in the housing history eligibility. Matrix limits one 1 x 30 allowed on housing history. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Lender notes Loan qualifies with the credit history at 0x60 meets the requirements initial max 80% LTV – 5 = 75% LTV max and loan closed at 70% LTV. Please see attached matrix - Seller-02/XX/2026<br>| Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 727 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Refinance | Cash Out - Other | N/A | N/A | 7382389 |
| 167 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-01 10:24 | 2026-02-10 14:55 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Upon further review, the loan file contained all required chain of title documentation. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-This finding is not applicable.<br> The preliminary title report confirms that the only conveyances recorded within the prior 24 months are disclosed and that there are no additional or unrecorded transfers affecting title. The vesting dated 07/XX/2025 reflects the most recent transfer into XX, which is the current seller in this purchase transaction.<br> This transaction is a purchase, wherein XX is conveying title to the borrower. The title company has reviewed the chain of title and confirms there are no gaps in ownership within the required 24-month period. Title insurance will be issued accordingly.<br> Please clear this finding.<br> - Seller-02/XX/2026 <br> Counter-Received document that indicate Vesting 7/XX/25. Noted vesting does not cover 24 months - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached Title report - 24 months chain of Title. - Seller-02/XX/2026 <br> Open-Unsatisfactory Chain of Title provided. Missing 24 Months Chain of Title. - Due Diligence Vendor-02/XX/2026 | Ready for Review-This finding is not applicable.<br> The preliminary title report confirms that the only conveyances recorded within the prior 24 months are disclosed and that there are no additional or unrecorded transfers affecting title. The vesting dated XX/XX/XXXX reflects the most recent transfer into XXXX, which is the current seller in this purchase transaction.<br> This transaction is a purchase, wherein XXXX is conveying title to the borrower. The title company has reviewed the chain of title and confirms there are no gaps in ownership within the required 24-month period. Title insurance will be issued accordingly.<br> Please clear this finding.<br> - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached Title report - 24 months chain of Title. - Seller-02/XX/2026 | Resolved-Upon further review, the loan file contained all required chain of title documentation. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 720 Borrower has 742. Required is 720 Borrower has 742<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 24.39%. Required is 50 Borrower has 24.39<br>LTV is less than guideline maximum - LTV Required is 85% Borrower has 80%. Required is 85 Borrower has 80 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Second Home | Purchase | NA | N/A | N/A | 7388765 |
| 179 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-27 15:58 | 2026-02-09 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received borrower Citizenship Documentation. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Permanent Resident Alien Card copy - Seller-02/XX/2026 <br>Open-Borrower Citizenship Documentation Is Missing - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached Permanent Resident Alien Card copy - Seller-02/XX/2026<br>| Resolved-Received borrower Citizenship Documentation. - Due Diligence Vendor-03/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 747<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.68 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7318931 |
| 149 | XXXX |  | XXXX D A | Closed | xxx | 2026-01-28 21:27 | 2026-02-03 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | xxx | Ready for Review-Document Uploaded. Please see attached mortgage statement from xxx for XXXX showing monthly mortgage of $xxx.16 includes taxes and insurance. No HOA's due. Please clear this finding, - Seller-01/XX/2026 | Resolved-Received Mortgage Statement with escrows. - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 79.99<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 758 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | AZ | Investment | Purchase | NA | N/A | N/A | 7342324 |
| 204 | XXXX |  | XXXX D B A | Closed | xxx | 2026-02-02 08:46 | 2026-02-02 08:47 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-02/XX/2026 <br>Open-1007 shows incorrect lease amount for current tenant, should show $3,300 - Due Diligence Vendor-02/XX/2026 |  | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - Required reserves 6 mths. Borrower has 43+ months in reserves. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640 Borrower has 737 Required is 640 Borrower has 737 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7395069 |
| 155 | XXXX |  | XXXX D B A | Closed | xxx | 2026-02-02 10:17 | 2026-02-07 16:14 | 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-02/XX/2026 <br>Ready for Review-Please see attached exception allowing reserves to be waived with a 9.9% P&I decrease - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing reserves to be waived with a 9.9% P&I decrease - Seller-02/XX/2026 <br>Open-Audited Reserves of 0.69 month(s) are less than Guideline Required Reserves of 3 month(s) Missing proof of sufficient funds for the reserve requirement of 3 months. This can not be waived since the reduction of current P&I to the new P&I is less than 10%. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Please see attached exception allowing reserves to be waived with a 9.9% P&I decrease - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing reserves to be waived with a 9.9% P&I decrease - Seller-02/XX/2026<br>| Waived-Originator provided a waiver for reserves, applied to non material finding with comp factors - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.27 | CLTV if 5% Less than Max allowed<br> FICO is 20 points above minimum | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7397762 |
| 155 | XXXX |  | XXXX D B A | Closed | xxx | 2026-02-02 09:27 | 2026-02-03 17:51 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Title Supplement with corrected loan amount. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Missing proof of sufficient Title Coverage for the total amount of the subject lien(s). - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026<br>| Resolved-Received Title Supplement with corrected loan amount. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.27 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7396099 |
| 155 | XXXX |  | XXXX D B A | Closed | xxx | 2026-02-02 10:20 | 2026-02-03 17:50 | 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 Taxes. Property land, no HOI. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br>Open-Missing the taxes/ HOI for property 3f (what was provided is not the same APN#). Upon receipt additional condition maybe required. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026<br>| Resolved-Received proof of Taxes. Property land, no HOI. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 746<br>LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.27 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7397802 |
| 172 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-02 17:25 | 2026-02-06 16:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received commitment w/sufficient coverage. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-XXXX title coverage obtained is for the subject lien. Secondary lien holder(s) obtain their own title insurance, as needed. - Seller-02/XX/2026 <br>Counter-Received duplicate Title. Coverage is not inclusive of all liens. Finding remains. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-02/XX/2026 | Ready for Review-XXXX title coverage obtained is for the subject lien. Secondary lien holder(s) obtain their own title insurance, as needed. - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 | Resolved-Received commitment w/sufficient coverage. - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - 3 required - 13.19 have<br>Qualifying DTI below maximum allowed - DTI Required is 50% Borrower has 44.91%. Rule False |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7406703 |
| 216 | XXXX |  | XXXX D A C | Closed | xxx | 2026-02-03 08:48 | 2026-02-17 16:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Recalculated Asset 1 - Audited Reserves of 3.57 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the borrower has sufficient assets verified, please read the funds to close calc and business assets are also used to close. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Counter-Received verification the gift funds are actually business funds. Reserves are not calculating at 2.81 months slightly below the 3 months required. $44,616.64 as of 1/XX/2026 available assets, $28,153.13 cash to close leaves $16,463.51 post close. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Not a valid counter, A gift letter is not required for using borrower's Business funds to close. Please see attached the explaxxx for XX business funds used does not negatively impact the business operations. - Seller-02/XX/2026 <br> Counter-Missing Gift letter from XX. and evidence of receipt [Wire/Check] to title agent. (PCCD Other Credits are Gift Funds for $130,418.63.) - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD with disbursement date of 1.26.2026 and Funds to close calculator - Seller-02/XX/2026 <br> Open-Audited Reserves of 2.15 month(s) are less than Guideline Required Reserves of 3 month(s) Verified assets do not cover minimum reserves required for program. Audit pulled balance of BOA acct from 1/20 since loan funded on this date per CD. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Lender notes the borrower has sufficient assets verified, please read the funds to close calc and business assets are also used to close. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Not a valid counter, A gift letter is not required for using borrower's Business funds to close. Please see attached the explaxxx for XXXX. business funds used does not negatively impact the business operations. - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD with disbursement date of XX/XX/XXXX and Funds to close calculator - Seller-02/XX/2026 | Resolved-Recalculated Asset 1 - Audited Reserves of 3.57 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 680 which exceeds the minimum of 743 Required is 680 Borrower has 743<br>Qualifying DTI below maximum allowed - DTI of 27.97% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 28.14<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7414162 |
| 216 | XXXX |  | XXXX D A C | Closed | xxx | 2026-02-02 13:46 | 2026-02-06 16:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Employment Authorization Card. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Valid EAD Card C09 satisfies 2.2.1 Visa classifications allowed as Non-Permanent Resident Aliens, and 1003 updated as non-permanent resident - Seller-02/XX/2026 <br>Open-Borrower Citizenship Documentation Is Missing Perm resident alien - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached Valid EAD Card C09 satisfies 2.2.1 Visa classifications allowed as Non-Permanent Resident Aliens, and 1003 updated as non-permanent resident - Seller-02/XX/2026<br>| Resolved-Received Employment Authorization Card. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 680 which exceeds the minimum of 743 Required is 680 Borrower has 743<br>Qualifying DTI below maximum allowed - DTI of 27.97% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 28.14<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7403011 |
| 216 | XXXX |  | XXXX D A C | Closed | xxx | 2026-02-02 14:48 | 2026-02-06 09:17 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-----Received PCCD dated 02/XX/2026. Finding Resolved. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD with disbursement date of 1.26.2026 - Seller-02/XX/2026 <br>Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of 01/XX/2026, but closing date is 01/XX/2026. Provide evidence the loan did not disburse prior to closing. Notary date is signed 1/XX/2026. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached PCCD with disbursement date of XX/XX/XXXX - Seller-02/XX/2026 | Resolved-----Received PCCD dated 02/XX/2026. Finding Resolved. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 680 which exceeds the minimum of 743 Required is 680 Borrower has 743<br>Qualifying DTI below maximum allowed - DTI of 27.97% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 28.14<br>LTV is less than guideline maximum - LTV of 80% is below the maximum of 85% allowed per guidelines Required is 85 Borrower has 80 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7404305 |
| 181 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| 170 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-03 17:44 | 2026-02-26 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received all required REO documentation. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached document - XX= Application Withdrawn. - Seller-02/XX/2026 <br> Counter-PITIA for xxx provided. Application withdrawn for XX provided. Please provide the application withdrawn for XX. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. 6XX and XX:<br> Please see the attached Loan Estimates. Both loan applications associated with these properties were withdrawn and did not proceed to closing. Therefore, PITIA calculation for qualification purposes is not applicable.<br>xxx:<br> Please see the Final Closing Disclosure dated 01/XX/2026, which reflects the applicable payment information. Please clear this finding. - Seller-02/XX/2026 <br> Counter-For clarification: XX- Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Will you please specify the property addresses for j1, k1 and l1. - Seller-02/XX/2026 <br> Counter-Received property info for 3j, 3k, and 3l. Finding for j1, k1, and l1. Finding remains. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached mortgage statements for 3J – XX7 MP +PITIA $$7,313<br> 3k –XXselect portfolio XX XX MP $5,145<br> 3L- XX PITIA $4,541<br> shows Taxes and insurance are impounded. No issues found. - Seller-02/XX/2026 <br> Open-Missing PITIA for property j1, k1, l1 see worksheet - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached document - XXXX = Application Withdrawn. - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. XXXX and XXXX<br> Please see the attached Loan Estimates. Both loan applications associated with these properties were withdrawn and did not proceed to closing. Therefore, PITIA calculation for qualification purposes is not applicable.<br>XXXX<br> Please see the Final Closing Disclosure dated XX/XX/XXXX, which reflects the applicable payment information. Please clear this finding. - Seller-02/XX/2026 <br> Ready for Review-Will you please specify the property addresses forXXXX. - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached mortgage statements for XXXX – XXXX MP +PITIA $$7,313<br> XXXX MP $5,145<br> XXXX PITIA $4,541<br> shows Taxes and insurance are impounded. No issues found. - Seller-02/XX/2026 | Resolved-Received all required REO documentation. - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - 117.46 Months Reserves exceed 6 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.62 Required is 50 Borrower has 41.62 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 7427309 |
| 170 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-02 19:11 | 2026-02-06 15:26 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received sufficient coverage. - Due Diligence Vendor-03/XX/2026 <br> Ready for Review-Document Uploaded. For this loan, the loan amount is $XX. However, per agency and investor guidelines, hazard insurance must cover the lesser of:<br>The replacement cost of the improvements, or<br>The loan amount<br>A Replacement Cost Estimator (RCE) was completed for the subject property and reflects an insurable replacement cost of $XX. The borrower's hazard insurance policy provides $XXin dwelling coverage.<br>Because the hazard insurance coverage matches the documented replacement cost, the policy meets all applicable requirements. The loan amount is not the determining factor when the replacement cost is lower.<br>This property is located in Florida, and the coverage amount is fully adequate for the insurable value of the improvements.<br>Conclusion: <br> The hazard insurance coverage is sufficient and compliant with guideline requirements. No further action is required. - Seller-02/XX/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Minimum coverage is the loan amount - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. For this loan, the loan amount is $XXXX. However, per agency and investor guidelines, hazard insurance must cover the lesser of:<br>The replacement cost of the improvements, or<br>The loan amount<br>A Replacement Cost Estimator (RCE) was completed for the subject property and reflects an insurable replacement cost of $XXXX The borrower's hazard insurance policy provides $XXXX in dwelling coverage.<br>Because the hazard insurance coverage matches the documented replacement cost, the policy meets all applicable requirements. The loan amount is not the determining factor when the replacement cost is lower.<br>This property is located in Florida, and the coverage amount is fully adequate for the insurable value of the improvements.<br>Conclusion: <br> The hazard insurance coverage is sufficient and compliant with guideline requirements. No further action is required. - Seller-02/XX/2026 | Resolved-Received sufficient coverage. - Due Diligence Vendor-03/XX/2026<br>| Months Reserves exceed minimum required - 117.46 Months Reserves exceed 6 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.62 Required is 50 Borrower has 41.62 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 7407726 |
| 170 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-02 19:29 | 2026-02-06 15:04 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit reviewed via UDM. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Final DV report run 1-14-26 , 2 days before closing date of 1-16-26. Also the final DV report has UDM monitoring and it has been accounted for. Please clear this finding. - Seller-02/XX/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit report or an Undisclosed Debt Notification (UDN) is required within 10 days of closing date. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached Final DV report run XX/XX/XXXX , 2 days before closing date of XX/XX/XXXX. Also the final DV report has UDM monitoring and it has been accounted for. Please clear this finding. - Seller-02/XX/2026 | Resolved-Borrower 1 Gap Credit reviewed via XXXX. - Due Diligence Vendor-02/XX/2026 | Months Reserves exceed minimum required - 117.46 Months Reserves exceed 6 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.62 Required is 50 Borrower has 41.62 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 7407965 |
| 170 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-02 18:06 | 2026-02-06 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit Disclosure. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit. - Seller-02/XX/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing Provide Missing Business Purpose Affidavit. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached Business Purpose Affidavit. - Seller-02/XX/2026<br>| Resolved-Received Business Purpose Affidavit Disclosure. - Due Diligence Vendor-03/XX/2026<br>| Months Reserves exceed minimum required - 117.46 Months Reserves exceed 6 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.62 Required is 50 Borrower has 41.62 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 7406949 |
| 170 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-03 18:17 | 2026-02-06 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Signed Loan Agreement or Term Sheet | Resolved-The Loan Agreement/Term Sheet Doc received. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Signed Loan Agreement. - Seller-02/XX/2026 <br>Open-The Subject Loan is a Business Purpose Loan but the Loan Agreement/Term Sheet Doc is 'Missing'. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached Signed Loan Agreement. - Seller-02/XX/2026<br>| Resolved-The Loan Agreement/Term Sheet Doc received. - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - 117.46 Months Reserves exceed 6 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.62 Required is 50 Borrower has 41.62 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 7427540 |
| 170 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-03 18:17 | 2026-02-06 14:49 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received cert of formation, meet guideline requirement. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Certificate of Organization which contains the Articles of Organization for the borrower's LLC, which serve as the official formation document establishing the legal existence of the entity. This satisfies the requirement for proof of entity formation. Please clear this finding. - Seller-02/XX/2026 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached Certificate of Organization which contains the Articles of Organization for the borrower's LLC, which serve as the official formation document establishing the legal existence of the entity. This satisfies the requirement for proof of entity formation. Please clear this finding. - Seller-02/XX/2026<br>| Resolved-Received cert of formation, meet guideline requirement. - Due Diligence Vendor-03/XX/2026<br>| Months Reserves exceed minimum required - 117.46 Months Reserves exceed 6 months minimum required<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.62 Required is 50 Borrower has 41.62 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 7427541 |
| 229 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NV | Investment | Purchase | NA |  |  |  |
| 153 | XXXX |  | XXXX D B A | Closed | xxx | 2026-02-02 18:13 | 2026-03-05 12:47 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-Originator provided a waiver for use of rental income with lease and security deposit only, applied to non material finding with comp factors - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a Lease and only proof of the Security Deposit being received. - Seller-03/XX/2026 <br>Counter-Received leases a pictured of checks that were not deposited. Unable to confirm funds are available without being deposited. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. In accordance with Section 3.1 – Purchase Qualification, security deposit and first month's rent must be documented prior to loan closing when using a new lease to qualify rental income. The file includes copies of the checks for both the security deposit and first month's rent, satisfying this requirement. There is no guideline requirement that the funds be deposited prior to the note date. Therefore, the finding is unsupported and should be removed - Seller-02/XX/2026 <br>Open-Missing proof security and 1st month rent was deposited prior to note date - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with a Lease and only proof of the Security Deposit being received. - Seller-03/XX/2026 <br>Ready for Review-Document Uploaded. In accordance with Section 3.1 – Purchase Qualification, security deposit and first month's rent must be documented prior to loan closing when using a new lease to qualify rental income. The file includes copies of the checks for both the security deposit and first month's rent, satisfying this requirement. There is no guideline requirement that the funds be deposited prior to the note date. Therefore, the finding is unsupported and should be removed - Seller-02/XX/2026<br>| Waived-Originator provided a waiver for use of rental income with lease and security deposit only, applied to non material finding with comp factors - Due Diligence Vendor-03/XX/2026<br>| Months Reserves exceed minimum required - 42 Months Reserves exceed 6 month minimum required<br>On time mortgage history exceeds guideline requirement - 0x30x24 On time housing history exceeds guideline requirement 0x30x12 | Reserves: 3+ months above minimum verified<br> Credit: 0x12 for over 24 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Purchase | NA | Originator Post-Close | Yes | 7407117 |
| 153 | XXXX |  | XXXX D B A | Closed | xxx | 2026-02-02 16:52 | 2026-02-04 15:57 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final Seller CD. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached document. Final Seller Closing Disclosure. - Seller-02/XX/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached document. Final Seller Closing Disclosure. - Seller-02/XX/2026<br>| Resolved-Received Final Seller CD. - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - 42 Months Reserves exceed 6 month minimum required<br>On time mortgage history exceeds guideline requirement - 0x30x24 On time housing history exceeds guideline requirement 0x30x12 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Purchase | NA | N/A | N/A | 7406343 |
| 210 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-03 09:37 | 2026-02-06 10:22 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date of 1/XX/26 - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached PCCD, the loan disbursed on 1/XX/2026. - Seller-02/XX/2026 <br> Open-Hazard Insurance Effective Date of 01-21-2026 is after the Note Date of 01-XX-2026 Hazard Insurance Effective Date of 01-21-2026 is after disbursement date 1-20-2026 - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached PCCD, the loan disbursed on XX/XX/XXXX. - Seller-02/XX/2026 | Resolved-Received PCCD confirming disbursement date of XX/XX/XXXX - Due Diligence Vendor-02/XX/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.78 Rule False<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 745 Rule False |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA | N/A | N/A | 7415130 |
| 231 | XXXX |  | XXXX B A | Closed | xxx | 2026-01-28 13:40 | 2026-01-28 19:29 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/XX/2026 | X | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/XX/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 787<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.64 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | CA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7335952 |
| 213 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | AL | Investment | Purchase | NA |  |  |  |
| 218 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | TX | Investment | Purchase | NA |  |  |  |
| 184 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | MA | Investment | Refinance | Cash Out - Other |  |  |  |
| 211 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 236 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NV | Investment | Refinance | Cash Out - Other |  |  |  |
| 189 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-03 08:32 | 2026-02-09 15:18 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Upon further review, the loan file contained all required chain of title documentation. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached previous transfers are on July.2025 and December.1984, this satisfies the 24 chain of title. Please expedite to clear this as soon as possible - Seller-02/XX/2026 <br>Open-Unsatisfactory Chain of Title provided. Missing 24 Months Chain of Title. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached previous transfers are on July.2025 and December.1984, this satisfies the 24 chain of title. Please expedite to clear this as soon as possible - Seller-02/XX/2026<br>| Resolved-Upon further review, the loan file contained all required chain of title documentation. - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - Min 0, actual 53.63<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | KY | Investment | Refinance | Cash Out - Other | N/A | N/A | 7413783 |
| 207 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | CA | Investment | Purchase | NA |  |  |  |
| 187 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | AZ | Investment | Refinance | Cash Out - Other |  |  |  |
| 191 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | AZ | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 157 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | CA | Investment | Refinance | Cash Out - Other |  |  |  |
| 156 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 180 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Purchase | NA |  |  |  |
| 174 | XXXX |  | XXXX C A B | Closed | xxx | 2026-01-30 08:37 | 2026-02-05 14:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided legal and notary page - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal and signed notary. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026<br>| Resolved-Client provided legal and notary page - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 738<br>LTV is less than guideline maximum - Required is 75 Borrower has 61.09<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.001 Required is 0.8 Borrower has 1.001 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | WA | Investment | Refinance | Cash Out - Other | N/A | N/A | 7370839 |
| 174 | XXXX |  | XXXX C A B | Closed | xxx | 2026-02-03 13:18 | 2026-02-05 14:37 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Client provided updated 1008, UW attestation at the bottom - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026<br>| Resolved-Client provided updated 1008, UW attestation at the bottom - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 738<br>LTV is less than guideline maximum - Required is 75 Borrower has 61.09<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.001 Required is 0.8 Borrower has 1.001 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | WA | Investment | Refinance | Cash Out - Other | N/A | N/A | 7422866 |
| 237 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NV | Investment | Refinance | Cash Out - Other |  |  |  |
| 162 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-03 17:09 | 2026-02-06 09:22 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received 1003 reflecting UDM increases. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please escalate for manager review, Lender notes a new credit report is not required when running a Credit Gap report via UDM detail report, with updates listed on "Tradeline Payment Increase Notifications". With that said, the Underwriter updates liabilities as worst case scenario, updates the liabilities accordingly, and no explaxxxs nor any other updated docs are needed if loan still qualifies "worst case scenario". please see attached all updated liabilities used to qualify - Seller-02/XX/2026 <br>Open-Borrower 1 Credit Report is Partially Present. Missing updated credit report reflecting the updated payments from the UDM, which does not reflect the account number, included in the DTI to determine duplicates and the maximum available credit for those tradelines that are new and or updated. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please escalate for manager review, Lender notes a new credit report is not required when running a Credit Gap report via XXXX detail report, with updates listed on "Tradeline Payment Increase Notifications". With that said, the Underwriter updates liabilities as worst case scenario, updates the liabilities accordingly, and no explaxxxs nor any other updated docs are needed if loan still qualifies "worst case scenario". please see attached all updated liabilities used to qualify - Seller-02/XX/2026 | Resolved-Received 1003 reflecting XXXX increases. - Due Diligence Vendor-02/XX/2026 | Months Reserves exceed minimum required - Reserves required 6 months, Reserves verified 30 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7426677 |
| 162 | XXXX |  | XXXX C A | Closed | xxx | 2026-01-28 16:14 | 2026-02-06 09:12 | 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-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Mortgage Deed of trust with legal - Seller-02/XX/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description "Exhibit A" - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. Please see attached Mortgage Deed of trust with legal - Seller-02/XX/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - Reserves required 6 months, Reserves verified 30 months. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7339134 |
| 198 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | SC | Investment | Refinance | Cash Out - Other |  |  |  |
| 233 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 206 | XXXX |  | XXXX C B A | Closed | xxx | 2026-02-03 14:18 | 2026-02-03 14:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator waiver applied to non material finding-DSCR is .999 allowed to round up to 1<br> - Due Diligence Vendor-02/XX/2026 <br>Open-The Calculated DSCR of '0.999' is less than the minimum DSCR per lender guidelines of '1'. The 1008 reflects that the client rounded up from the 3rd decimal - Due Diligence Vendor-02/XX/2026 |  | Waived-Originator waiver applied to non material finding-DSCR is .999 allowed to round up to 1<br> - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Months Reserves exceed minimum required - Borrower has 35 months reserves. Guidelines require 6. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7424084 |
| 235 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-03 16:22 | 2026-02-05 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Client provided Appraisal w/ Narrative from Appraiser, pg 9 - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. The STR analysis is on the Supplement Addendum of the appraisal delivered with the loan file. Please see attached on page 9. - Seller-02/XX/2026 <br>Open-Appraiser to complete 1007 - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. The STR analysis is on the Supplement Addendum of the appraisal delivered with the loan file. Please see attached on page 9. - Seller-02/XX/2026<br>| Resolved-Client provided Appraisal w/ Narrative from Appraiser, pg 9 - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 797 Required is 640 Borrower has 797<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NV | Investment | Refinance | Cash Out - Other | N/A | N/A | 7426014 |
| 235 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-03 14:56 | 2026-02-05 14:00 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Client provide title, chain of title is on page 3 - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached on page 3. - Seller-02/XX/2026 <br>Open-Unsatisfactory Chain of Title provided. Satisfactory Chain of Title not Provided - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached on page 3. - Seller-02/XX/2026<br>| Resolved-Client provide title, chain of title is on page 3 - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 797 Required is 640 Borrower has 797<br>LTV is less than guideline maximum - Required is 85 Borrower has 75 Required is 85 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NV | Investment | Refinance | Cash Out - Other | N/A | N/A | 7424893 |
| 214 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 205 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Refinance | Cash Out - Other |  |  |  |
| 219 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-04 14:18 | 2026-02-06 16:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Updated Title with Title Coverage Amount of $XX - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026<br>| Resolved-Received Updated Title with Title Coverage Amount of $XXXX - Due Diligence Vendor-02/XX/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.57 Required is 50 Borrower has 26.57<br>Long term residence - Borrower at current residence from the past 17 years. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7446368 |
| 195 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NV | Investment | Refinance | Cash Out - Other |  |  |  |
| 228 | XXXX |  | XXXX C B A | Closed | xxx | 2026-01-30 14:21 | 2026-02-10 08:53 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured------Received PCCD 02/XX/2026 with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. cure docs uploaded - Seller-02/XX/2026 <br>Counter-----On post CD 01/XX/2026 Lender Credit Decreased to $13,884.34 with out a valid COC. Finding Remains. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. The LC on 1/7 was $14012.50 and the LC on 1/9 was $14042.50 due to loan amount increase. Documents attached - Seller-02/XX/2026 <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 determixxx according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($14,011.34) does not exceed or equal the comparable sum of specific and non-specific lender credits ($14,042.50). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $14,042.50 to $14,011.34 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $31.16, 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 01/XX/2029. - Due Diligence Vendor-01/XX/2026 | Ready for Review-Document Uploaded. cure docs uploaded - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. The LC on XX/XX/XXXX was $14012.50 and the LC on XX/XX/XXXX was $14042.50 due to loan amount increase. Documents attached - Seller-02/XX/2026 | Cured------Received PCCD 02/XX/2026 with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - LTV of 74.51% is below the maximum of 80% allowed per guidelines. Required is 80 Borrower has 74.51<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 734 which exceeds the minimum of 680. Required is 680 Borrower has 734<br>Qualifying DTI below maximum allowed - DTI of 34.58% is below the maximum allowed per guidelines of 50%. Required is 50 Borrower has 34.58 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7380716 |
| 228 | XXXX |  | XXXX C B A | Closed | xxx | 2026-01-30 14:21 | 2026-02-10 08:52 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD 02/XX/2026 with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-docs submitted on the other suspense - Seller-02/XX/2026 <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 determixxx according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $168.84.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 $168.84 (Appraisal Fee, 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 $168.84, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: 01/XX/2029. - Due Diligence Vendor-01/XX/2026 | Ready for Review-docs submitted on the other suspense - Seller-02/XX/2026<br>| Cured------Received PCCD 02/XX/2026 with copy of letter, check and shipping Label. Finding is Cured - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - LTV of 74.51% is below the maximum of 80% allowed per guidelines. Required is 80 Borrower has 74.51<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 734 which exceeds the minimum of 680. Required is 680 Borrower has 734<br>Qualifying DTI below maximum allowed - DTI of 34.58% is below the maximum allowed per guidelines of 50%. Required is 50 Borrower has 34.58 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7380717 |
| 176 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NY | Investment | Purchase | NA |  |  |  |
| 208 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | FL | Investment | Purchase | NA |  |  |  |
| 192 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | SC | Investment | Refinance | Cash Out - Other |  |  |  |
| 151 | XXXX |  | XXXX C B A | Closed | xxx | 2026-02-05 16:01 | 2026-02-09 18:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $100000 Subject loan amount of $XX is less than minimum loan required. Although the 1008 reflects an exception is in file, audit was unable to locate exception documentation. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026<br>| Waived-Originator provided a waiver for loan amount, applied to non material finding with comp factors - Due Diligence Vendor-02/XX/2026<br>| Months Reserves exceed minimum required - 103 months reserves exceeds 3 months required. <br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 768 | Fico >20 points from minimum<br> 0x30x24 primary-free and clear | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | OH | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7476215 |
| 161 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-06 14:14 | 2026-02-25 13:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received revised PCCD - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached updated PCCD. Please clear this finding. - Seller-02/XX/2026 <br>Counter-PCCD provided, section F reflect 1 year premium of $2,404.00. Section G reflect $170.00 monthly or $2,040.00 annually. Finding remains. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD showing the correct premium, $2,404.00, was paid at closing. We agree that the monthly amount was incorrect; however, this will be addressed with the end investor and their servicing department. Please note that with the increased premium, the DSCR was still 1.102 and would not impact the UW Decision. Can this please be cleared? - Seller-02/XX/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Per dec page the premium is $2404 - per CD and first payment lender collected $170 or $2040 premium - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached updated PCCD. Please clear this finding. - Seller-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached PCCD showing the correct premium, $2,404.00, was paid at closing. We agree that the monthly amount was incorrect; however, this will be addressed with the end investor and their servicing department. Please note that with the increased premium, the DSCR was still 1.102 and would not impact the UW Decision. Can this please be cleared? - Seller-02/XX/2026<br>| Resolved-Received revised PCCD - Due Diligence Vendor-02/XX/2026<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 20 Months&nbsp;&nbsp;&nbsp;&nbsp; Required = 12 months<br>Months Reserves exceed minimum required - The Borrower has 21.46 months in reserves; 3 months required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | OH | Investment | Refinance | Cash Out - Other | N/A | N/A | 7495882 |
| 232 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA |  |  |  |
| 152 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-06 14:29 | 2026-03-04 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received Full Release of Mortgage for both Items. - Due Diligence Vendor-03/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Full release of mortgages for xxx and xxx. Please clear this finding. - Seller-03/XX/2026 <br>Open-Title Document is Incomplete Missing evidence from title company that schedule B-2 exceptions #12 and #13 will be satisfied in full since these are blanket mortgages. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached Full release of mortgages for XXXX and XXXX. Please clear this finding. - Seller-03/XX/2026 | Resolved-Received Full Release of Mortgage for both Items. - Due Diligence Vendor-03/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 768<br>Months Reserves exceed minimum required - 124 months exceeds the 3 required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | OH | Investment | Refinance | Cash Out - Other | N/A | N/A | 7496201 |
| 154 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-06 09:08 | 2026-02-10 14:21 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit inquiry documentation - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Lender notes the 1.23.2026 credit report for this loan meets the NON QM requirement - Credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explaxxx, and no inquiry letter is required for inquiries over 90 days of said credit report. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br>Open-LOX for credit inquiries is missing. Missing LOE for credit inquiries. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Lender notes the 1.23.2026 credit report for this loan meets the NON QM requirement - Credit inquiries listed on the report within 90 days of the report date must be addressed by the borrower with a letter of explaxxx, and no inquiry letter is required for inquiries over 90 days of said credit report. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026<br>| Resolved-Upon further review, the loan file contained all required credit inquiry documentation - Due Diligence Vendor-02/XX/2026<br>| Qualifying DTI below maximum allowed - DTI of 39.46% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 39.46<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 798 which exceeds the minimum of 680 Required is 680 Borrower has 798<br>LTV is less than guideline maximum - LTV of 44.29% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 44.29 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7487067 |
| 154 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-04 13:12 | 2026-02-10 10:15 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received PCCD correcting fees. Finding Resolved. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. CD ATTACHED- FEES IN WRONG BLOCK - Seller-02/XX/2026 <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% ($2,205.00) exceed the comparable charges ($1,980.00) 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 (notary and endorsement) increased by $225 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 $27.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - X Year(s); Expiration Date 01/XX/2029 - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. CD ATTACHED- FEES IN WRONG BLOCK - Seller-02/XX/2026<br>| Resolved-----Received PCCD correcting fees. Finding Resolved. - Due Diligence Vendor-02/XX/2026<br>| Qualifying DTI below maximum allowed - DTI of 39.46% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 39.46<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 798 which exceeds the minimum of 680 Required is 680 Borrower has 798<br>LTV is less than guideline maximum - LTV of 44.29% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 44.29 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7444891 |
| 150 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-06 15:37 | 2026-02-24 13:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final cash out CDs and confirmation of business funds considered. Down payment and reserves acceptable. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Fifth Attempt \*\*\* Loan is documented properly to support the FTC Calc $190,317.79. \*\*\* As stated multiple times already, TPR is not accurate with review of assets, Lender notes again, the November xxx stmt provided reflects an Ending Balance of $18,341.32 \*\*\* Ending balance \*\*\* and not $6,809.60 which is the "Average collected balance". These two figures are not interchangeable, and the ending balance is the appropriate figure for asset verification. Please see attached REO 328.5 W - XXXX Loan # 2509050225 (-78,076.32), REO xxx 2509050247 (-93,900.15) and xxx acct Balance 18,341.32 =190,317.79. Please also review the Funds to close calc, assets meet DSCR requirements. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Counter-Received Final CD. .27 months reserves < 3 months minimum required. As of 11/XX/2025 account 3423 balance is $6,809.60. $171,976.47 cash out proceeds. $178,521.24 cash required to close. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Please see attached REO 328.5 W - XXXX Loan # 2509050225 (-78,076.32), REO xxx 2509050247 (-93,900.15) and xxx acct Balance 18,341.32 =190,317.79. Please also review the Funds to close calc, assets meet DSCR requirements. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Post close CDs are the most updated numbers, and not required to be signed. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Counter-CD's provided are estimates. Please provide the Final Closing Disclosures with a disbursement date at or prior to closing. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Disagree, Post close CDs are the most updated numbers, and not required to be signed. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Counter-Finding remains..Client provide CD for both properties however they are not signed. Provide fully executed CD's for both properties below - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached proceeds from cash out refinance XXXX Loan # 2509050225 (-78,093.30) REO xxx., and #2509050247 (-93,920.71) REO xxx. - Seller-02/XX/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Short funds to close and reserves - Provide verification of proceeds from cash out refinance of other REO properties. XXXX Loan # 50225 and #50247 - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Fifth Attempt \*\*\* Loan is documented properly to support the FTC Calc $190,317.79. \*\*\* As stated multiple times already, TPR is not accurate with review of assets, Lender notes again, the November XXXX stmt provided reflects an Ending Balance of $18,341.32 \*\*\* Ending balance \*\*\* and not $6,809.60 which is the "Average collected balance". These two figures are not interchangeable, and the ending balance is the appropriate figure for asset verification. Please see attached REO XXXX - XXXX Loan XXXX (-78,076.32), XXXX (-93,900.15) and xxx acct Balance 18,341.32 =190,317.79. Please also review the Funds to close calc, assets meet DSCR requirements. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Please see attached REO XXXX - XXXX Loan #XXXX (-78,076.32), REO XXXX (-93,900.15) and XXXX acct Balance 18,341.32 =190,317.79. Please also review the Funds to close calc, assets meet DSCR requirements. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Post close CDs are the most updated numbers, and not required to be signed. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Ready for Review-Disagree, Post close CDs are the most updated numbers, and not required to be signed. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached proceeds from cash out refinance XXXX Loan # XXXX (-78,093.30) REO XXXX (-93,920.71) REO XXXX - Seller-02/XX/2026 | Resolved-Received final cash out CDs and confirmation of business funds considered. Down payment and reserves acceptable. - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - Qualifying FICO score is at least 20 points above minimum for program Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 768 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | OH | Investment | Refinance | Cash Out - Other | N/A | N/A | 7498028 |
| 150 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-06 15:21 | 2026-02-20 12:35 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received CD. Upon further review documentation meet guideline requirement. - Due Diligence Vendor-03/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached REO 328.5 W - XXXX Loan # xxx (-78,076.32), REO xxx. 2509050247 (-93,900.15). Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Counter-CD's provided do not appear to be PCCD's. 328 1/2 CD is incomplete. xxxdoes not reflect an Issued Date. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Post close CDs are the most updated numbers, and not required to be signed. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Counter-CD's provided are estimates. Please provide the Final Closing Disclosures with a disbursement date at or prior to closing. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Disagree, Post close CDs are the most updated numbers, and not required to be signed. Please expedite this to be cleared as soon as possible<br> - Seller-02/XX/2026 <br> Counter-Finding remains..Client provide CD for both properties however they are not signed. Provide fully executed CD's for both properties below - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached proceeds from cash out refinance XXXX Loan # 2509050225 (-78,093.30) REO xxx and #2509050247 (-93,920.71) REO xxx - Seller-02/XX/2026 <br> Open-Total Qualified Assets Post-Close amount is '$-171711.64'. Assets are Insufficient. Short funds to close and reserves - Provide verification of proceeds from cash out refinance of other REO properties. XXXX Loan # 50225 and #50247 - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached REO XXXX - XXXX Loan # XXXX (-78,076.32), REO XXXX (-93,900.15). Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Post close CDs are the most updated numbers, and not required to be signed. Please expedite this to be cleared as soon as possible - Seller-02/XX/2026 <br> Ready for Review-Disagree, Post close CDs are the most updated numbers, and not required to be signed. Please expedite this to be cleared as soon as possible<br> - Seller-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached proceeds from cash out refinance XXXX Loan #XXXX (-78,093.30) REOXXXXand #XXXX (-93,920.71) REOXXXX - Seller-02/XX/2026 | Resolved-Received CD. Upon further review documentation meet guideline requirement. - Due Diligence Vendor-03/XX/2026<br>| LTV is less than guideline maximum - Qualifying FICO score is at least 20 points above minimum for program Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 768 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | OH | Investment | Refinance | Cash Out - Other | N/A | N/A | 7497662 |
| 150 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-06 14:30 | 2026-02-18 13:17 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Mortgage Releases. - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached releases of Mtgs - Seller-02/XX/2026 <br> Open-Property Title Issue EVIDENCE BOTH BLANKET MORTGAGE ON THIS PROPERTY HAVE BEEN SATISFIED. CD IS ONLY SHOWING #14 WITH THE ORIGINAL LOAN AMOUNT OF $XX ON TITLE BEING PAID. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached releases of Mtgs - Seller-02/XX/2026<br>| Resolved-Received Mortgage Releases. - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - Qualifying FICO score is at least 20 points above minimum for program Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 768 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | OH | Investment | Refinance | Cash Out - Other | N/A | N/A | 7496224 |
| 177 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-09 13:46 | 2026-02-24 14:16 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Client provided Fraud Report that reflects xxx and xxx, cleared - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached Final DV - Loan Participant Analysis - including xxx under non-borrowing spouse and xxx xxx under non-obligated borrower shows no matches. Used non-borrowing spouse since Data Verify only allows one non-obligated borrower. Please clear this finding. - Seller-02/XX/2026 <br>Counter-xxx and xxxsigned the mortgage which is part of the loan transaction. Finding remains. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Please be advised that exclusionary list screening requirements apply only to active participants in the loan transaction (e.g., borrowers, sellers, real estate agents, loan officers, brokers, and other parties involved in the origixxx and closing process).<br>xxx and xxx are non-borrowing title holders only and are not active participants in the loan transaction. Therefore, exclusionary list screening is not required for these individuals.<br>Based on this clarification, we respectfully request that this finding be cleared. - Seller-02/XX/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Non borrowing Title holders xxx and xxx Not Checked with Exclusionary Lists - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached Final DV - Loan Participant Analysis - including XXXX under non-borrowing spouse and XXXX under non-obligated borrower shows no matches. Used non-borrowing spouse since Data Verify only allows one non-obligated borrower. Please clear this finding. - Seller-02/XX/2026 <br> Ready for Review-Please be advised that exclusionary list screening requirements apply only to active participants in the loan transaction (e.g., borrowers, sellers, real estate agents, loan officers, brokers, and other parties involved in the origixxx and closing process).<br>XXXX and XXXX are non-borrowing title holders only and are not active participants in the loan transaction. Therefore, exclusionary list screening is not required for these individuals.<br>Based on this clarification, we respectfully request that this finding be cleared. - Seller-02/XX/2026 | Resolved-Client provided Fraud Report that reflects XXXX and XXXX, cleared - Due Diligence Vendor-02/XX/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746<br>Months Reserves exceed minimum required - 9 months required - borrower has 23.13 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NJ | Investment | Purchase | NA | N/A | N/A | 7521456 |
| 177 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-09 13:46 | 2026-02-11 17:37 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-This is a Non-QM loan. The XX account ending #XX is held in the name of XX The account statement clearly identifies XX as Trustee, which confirms that the borrower has full access and control of the funds. As the borrower is the trustee of a revocable living trust, additional documentation regarding access to funds is not required. The asset is acceptable as presented. Please clear this finding. - Seller-02/XX/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements XX is in the name of XX. Document the conditions under which the borrower has access to the funds. - Due Diligence Vendor-02/XX/2026 | Ready for Review-This is a Non-QM loan. The XXXX account ending #XXXX is held in the name of The XXXX. The account statement clearly identifies XXXX as Trustee, which confirms that the borrower has full access and control of the funds. As the borrower is the trustee of a revocable living trust, additional documentation regarding access to funds is not required. The asset is acceptable as presented. Please clear this finding. - Seller-02/XX/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746<br>Months Reserves exceed minimum required - 9 months required - borrower has 23.13 months |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NJ | Investment | Purchase | NA | N/A | N/A | 7521444 |
| 177 | XXXX |  | XXXX D A | Closed | xxx | 2026-02-09 12:48 | 2026-02-11 17:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/XX/2026 <br> Ready for Review-Document Uploaded. Please see attached CA SOS Business Search for XX showing run date of 2-09-26. - Seller-02/XX/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd party VOE prior to close is missing for XX The CA Secretary of State printout provided is not dated. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached CA SOS Business Search forXXXX showing run date of XX/XX/XXXX. - Seller-02/XX/2026 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746<br>Months Reserves exceed minimum required - 9 months required - borrower has 23.13 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NJ | Investment | Purchase | NA | N/A | N/A | 7519719 |
| 147 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-09 14:44 | 2026-02-12 17:17 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Provide missing cash out letter. - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/XX/2026<br>| Resolved-Received Business Purpose Affidavit. - Due Diligence Vendor-02/XX/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 770. Required is 700 Borrower has 770<br>Months Reserves exceed minimum required - Reserves in the amount of 34.4; guideline min is 6 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 7522573 |
| 234 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NC | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 212 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Primary Residence | Purchase | NA |  |  |  |
| 200 | XXXX |  | XXXX C A | Closed | xxx | 2026-02-12 16:59 | 2026-02-17 17:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received evidence of CD reflecting sufficient reserves. - Due Diligence Vendor-02/XX/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026 <br>Open-Audited Reserves of 0.88 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/XX/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/XX/2026<br>| Resolved-Received evidence of CD reflecting sufficient reserves. - Due Diligence Vendor-02/XX/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 747 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | VA | Investment | Purchase | NA | N/A | N/A | 7594622 |
| 173 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | NJ | Investment | Purchase | NA |  |  |  |
| 166 | XXXX |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | CA | Second Home | Purchase | NA |  |  |  |

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## Exhibit 99.5

**Exhibit 99.5 Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 840 | XXXX | XXXX | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13481 | Yes | Employed |  | No |  | Yes | Present |
| 841 | XXXX | XXXX | XXXX | XX/XX/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 | 13662.8 | 7.359 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8106.61 | Yes | Employed |  | No |  | No |  |
| 175 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 178 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | 85159.09 | Yes | Employed |  | No |  | Yes | Present |
| 199 | XXXX |  | XXXX | XX/XX/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 | 21865.63 | 7.667 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13557.82 | Yes | Employed |  | No |  | No |  |
| 194 | XXXX |  | XXXX | XX/XX/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 | 10506.25 | 7.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6014.1 | Yes | Employed |  | No |  | No |  |
| 185 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 226 | XXXX |  | XXXX | XX/XX/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 | 28925 | 8.778 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 63673.82 | Yes | Employed |  | No |  | No |  |
| 165 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 148 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 222 | XXXX |  | XXXX | XX/XX/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 | 21605 | 6.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22289.78 | Yes | Employed |  | No |  | No |  |
| 190 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 183 | XXXX |  | XXXX | XX/XX/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 | 16083.46 | 8.844 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11454.82 | N/A | Employed | Employed | No | No | No |  |
| 171 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 182 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 238 | XXXX |  | XXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1995 | 7.057 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15109.54 | Yes | Employed |  | No |  | No |  |
| 197 | XXXX |  | XXXX | XX/XX/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 | 19012.7 | 6.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 132527.14 | Yes | Employed |  | No |  | No |  |
| 163 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 221 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 193 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 225 | XXXX |  | XXXX | XX/XX/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 | 12955 | 6.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12908.93 | Yes | Employed |  | No |  | No |  |
| 227 | XXXX |  | XXXX | XX/XX/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 | 14458.04 | 7.213 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13243.71 | N/A | Employed |  | No |  | No |  |
| 230 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 220 | XXXX |  | XXXX | XX/XX/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 | 14915 | 7.425 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12193.36 | Yes | Employed | Not Employed | No | No | No |  |
| 169 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 273310.61 | Yes | Employed |  | No |  | Yes | Present |
| 224 | XXXX |  | XXXX | XX/XX/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 | 18270 | 7.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19836.22 | Yes | Employed |  | No |  | No |  |
| 188 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 31770.41 | Yes | Employed |  | No |  | Yes | Present |
| 196 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 164 | XXXX |  | XXXX | XX/XX/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 | 20235 | 6.64 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 101387.07 | Yes | Not Employed | Employed | No | No | No |  |
| 209 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 215 | XXXX |  | XXXX | XX/XX/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 | 6537.5 | 6.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9188.32 | Yes | Employed |  | No |  | No |  |
| 160 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 217 | XXXX |  | XXXX | XX/XX/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 | 18974.83 | 6.506 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26629.36 | Yes | Employed |  | No |  | No |  |
| 158 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 201 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 168 | XXXX |  | XXXX | XX/XX/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 | 11622 | 8.373 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35078.33 | N/A | Employed |  | No |  | No |  |
| 202 | XXXX |  | XXXX | XX/XX/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 | 10783.48 | 7.465 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8606.36 | Yes | Employed |  | No |  | No |  |
| 186 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | 33935.42 | Yes | Employed |  | No |  | Yes | Present |
| 203 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 159 | XXXX |  | XXXX | XX/XX/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 | 12745 | 6.761 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11194.62 | Yes | Employed |  | No |  | No |  |
| 223 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 167 | XXXX |  | XXXX | XX/XX/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 | 14800 | 7.06 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 44242.02 | Yes | Employed |  | No |  | No |  |
| 179 | XXXX |  | XXXX | XX/XX/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 | 5834.38 | 7.61 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33801.09 | Yes | Employed |  | No |  | No |  |
| 149 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 6263.4 | Yes | Not Employed |  | No |  | Yes | Present |
| 204 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 155 | XXXX |  | XXXX | XX/XX/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 | 21445 | 7.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24034.84 | Yes | Employed |  | No |  | No |  |
| 172 | XXXX |  | XXXX | XX/XX/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 | 8975 | 7.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8312.83 | Yes | Employed | Employed | No | No | No |  |
| 216 | XXXX |  | XXXX | XX/XX/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 | 15235 | 7.078 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20552.46 | N/A | Employed |  | No |  | No |  |
| 181 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 170 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | 275366.03 | Yes | Employed |  | No |  | Yes | Present |
| 229 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 153 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 210 | XXXX |  | XXXX | XX/XX/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 | 35579 | 7.644 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34066.22 | Yes | Employed |  | No |  | No |  |
| 231 | XXXX |  | XXXX | XX/XX/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 | 24500 | 7.029 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21591.28 | N/A | Employed |  | No |  | No |  |
| 213 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 218 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 184 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 211 | XXXX |  | XXXX | XX/XX/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 | 19955 | 7.031 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8260.33 | Yes | Employed |  | No |  | No |  |
| 236 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 189 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 207 | XXXX |  | XXXX | XX/XX/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 | 23847.25 | Yes | Employed |  | No |  | Yes | Present |
| 187 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 191 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | 316642.05 | Yes | Employed |  | No |  | Yes | Present |
| 157 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 156 | XXXX |  | XXXX | XX/XX/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 | 19405 | 7.245 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23486.14 | Yes | Employed | Not Employed | No | No | No |  |
| 180 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 174 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 237 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 162 | XXXX |  | XXXX | XX/XX/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 | 11925 | 8.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4717.03 | Yes | Employed |  | No |  | No |  |
| 198 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 233 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 206 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 235 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 214 | XXXX |  | XXXX | XX/XX/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 | 25850 | 7.294 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39528.85 | Yes | Employed |  | No |  | No |  |
| 205 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 219 | XXXX |  | XXXX | XX/XX/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 | 4470 | 8.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18488.24 | Yes | Employed |  | No |  | No |  |
| 195 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 228 | XXXX |  | XXXX | XX/XX/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 | 15417.5 | 6.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 56281.02 | N/A | Employed |  | No |  | No |  |
| 176 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 47430.3 | Yes | Employed |  | No |  | Yes | Present |
| 208 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 192 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 151 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 161 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 232 | XXXX |  | XXXX | XX/XX/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 | 36875 | 7.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30518.71 | Yes | Employed |  | No |  | No |  |
| 152 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 154 | XXXX |  | XXXX | XX/XX/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 | 13100 | 7.442 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6053.7 | N/A | Employed |  | No |  | No |  |
| 150 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 177 | XXXX |  | XXXX | XX/XX/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 | 76525.03 | Yes | Employed |  | No |  | Yes | Present |
| 147 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 234 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 212 | XXXX |  | XXXX | XX/XX/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 | 42875 | 7.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23474.81 | Yes | Employed |  | No |  | No |  |
| 200 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 173 | XXXX |  | XXXX | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 166 | XXXX |  | XXXX | XX/XX/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 | 8700 | 7.811 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21492.75 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 5**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 175 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 6551.57 | DSCR |
| 178 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Note in File |
| 199 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 194 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 194 | XXXX |  | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| 194 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 194 | XXXX |  | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Condo warrantable per review of loan docs |
| 185 | XXXX |  | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | n/a - Detached (Site) Condo |
| 226 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 148 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 148 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per application |
| 222 | XXXX |  | XXXX | XXXX | HOA Flag | propertyValuationPage | No | Y | Per Appraisal |
| 190 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 190 | XXXX |  | XXXX | XXXX | Interest Only Flag | notePage | Yes | Y | Per Note |
| 190 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 190 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 183 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 171 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 171 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 171 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD/Settlement Statement |
| 171 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1351.76 | DSCR |
| 182 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 182 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Application |
| 238 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 238 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 238 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.25 | 16.63 | Due to the Lender is using 12 months for calculating the P&L income; the CPA indicated that is a 24 month P&L. |
| 197 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 197 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 163 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 163 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 163 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD/Settlement Statement |
| 163 | XXXX |  | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 163 | XXXX |  | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.576 | 1.244 | Audit used Actual Rent/ PITIA. Lender Calculation not provided |
| 221 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 29270.68 | DSCR - no dti |
| 193 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 193 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Loan Application |
| 193 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 225 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 227 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 230 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 230 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Application |
| 230 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3377.04 | DSCR - no dti |
| 220 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 220 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 169 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 169 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 224 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 224 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.29 | 31.67 | Lender did not include departure residence in DTI |
| 188 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 188 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 188 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD/Settlement Statement |
| 196 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 196 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 164 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 164 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 209 | XXXX |  | XXXX | XXXX | Initial Monthly P&I Or IO Payment | notePage | 4543.5 | 5184.12 | per note |
| 209 | XXXX |  | XXXX | XXXX | Interest Only Flag | notePage | Yes | No | per note |
| 209 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 209 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | per cd |
| 209 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 9584.47 | no dti - dscr loan |
| 209 | XXXX |  | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.112 | 1.005 | appears lender used fully amortized payment on IO loan (guides say use IO to qualify) |
| 160 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per executed Note in file |
| 160 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 in file |
| 160 | XXXX |  | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Per Appraisl & Questionnaire |
| 160 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 330.51 | DSCR |
| 217 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 217 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 201 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 201 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 201 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 202 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 202 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 186 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 186 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 186 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.41 | 15.77 | The Subject Property's Negative rental income is being calculated twice. |
| 203 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 203 | XXXX |  | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.236 | 1.283 | Audits PITI and mkt rents match lenders per 1008. |
| 223 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 223 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 167 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 167 | XXXX |  | XXXX | XXXX | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1003 |
| 179 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 179 | XXXX |  | XXXX | XXXX | Occupancy | the1003Page | Second Home | OwnerOccupied | 2nd home per 1003/Approval |
| 179 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 149 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per executed Note in file |
| 149 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD in file |
| 149 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.56 | 45.49 | Lender included a mtg pmt for a sold property into DTI calculation. |
| 204 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 204 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial 1003 |
| 155 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 172 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 172 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 172 | XXXX |  | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 67.69 | 69.94 | matches put LM not calculating with the solar 2nd lien |
| 216 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per executed Note in file |
| 181 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 181 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per initial application |
| 181 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 181 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 3997.68 | DSCR Loan |
| 170 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 170 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 229 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per executed note |
| 229 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | per executed CD |
| 153 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 153 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per initial application |
| 210 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per Note |
| 231 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 213 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 213 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 20.97 | DSCR |
| 211 | XXXX |  | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 54.55 | 54.54 | Due to Rounding |
| 211 | XXXX |  | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 54.55 | 54.54 | Due to Rounding |
| 236 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 236 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | per application |
| 236 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 236 | XXXX |  | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Non-Warrantable per docs in file and UW comments on 1008. |
| 189 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 189 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 189 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 224.72 | DSCR |
| 187 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 187 | XXXX |  | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | per note |
| 187 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | per application |
| 187 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 191 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 157 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 157 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 157 | XXXX |  | XXXX | XXXX | Number of Units | propertyValuationPage | 1 | 3 | per appraisal |
| 156 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 174 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per note |
| 174 | XXXX |  | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | PER 1008 and approval is a condo |
| 162 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 162 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final Cd |
| 198 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per Note |
| 198 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | per Application |
| 198 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | per Settlement |
| 233 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 233 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial Loan App |
| 233 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 5301.19 | DSCR Loan |
| 206 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 206 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 206 | XXXX |  | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| 235 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 235 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | per CD |
| 235 | XXXX |  | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.244 | 1.743 | Audit used STR/ PITIA. Lender Calculation not provided |
| 205 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 205 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial Loan App |
| 205 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 219 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 228 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per executed note |
| 228 | XXXX |  | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | 2550000 | 2495000.00 | 2 Full Appraisals - Lower Value used for LTV |
| 176 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 208 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | PER FINAL NOTE |
| 208 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | PER INITIAL 1003 |
| 192 | XXXX |  | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| 192 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 192 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per initial 1003 sig date |
| 192 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1004.41 | DSCR Loan |
| 151 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per executed note |
| 151 | XXXX |  | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Subject is a 2 unit per appraisal |
| 161 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note in file |
| 161 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | per 1003 in file |
| 161 | XXXX |  | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.102 | 1.116 | Lender used lower HOI premium |
| 232 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 232 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 152 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per Note |
| 152 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | PER INITIAL 1003 |
| 154 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 150 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 177 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 177 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.49 | 42.16 | Due to lower audited qualifying income. |
| 147 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | PER FINAL NOTE. |
| 147 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | PER INITIAL 1003. |
| 147 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | PER FINAL CD. |
| 147 | XXXX |  | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 770 | 790 | Per Credit Report |
| 147 | XXXX |  | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.551 | 1.861 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| 212 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | per note |
| 212 | XXXX |  | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| 212 | XXXX |  | XXXX | XXXX | Occupancy | the1003Page | Primary Residence | OwnerOccupied | per 1003 |
| 212 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | per cd |
| 200 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note. |
| 200 | XXXX |  | XXXX | XXXX | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Initial loan app |
| 200 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XX/XX/XXXX | XX/XX/XXXX | Per final CD |
| 173 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note. |
| 173 | XXXX |  | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2977.81 | DSCR - no dti |
| 166 | XXXX |  | XXXX | XXXX | Note Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Per Note |
| 166 | XXXX |  | XXXX | XXXX | Occupancy | the1003Page | Second Home | OwnerOccupied | Per 1003/1008 |
| 166 | XXXX |  | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |

---

## Exhibit 99.5

**Exhibit 99.5 Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| 840 | XXXX | XXXX | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2495 | Appraisal - 1007 |  | N/A |  |  | 2495 | Appraisal - 1007 | No | 112.26 | NA | 0 | 2800.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |  |  | 2495 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.86 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 175 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 10044 | Appraisal - 1007 |  | N/A |  |  | 10044 | Appraisal - 1007 | No | 98.88 | 1.011 | 1.011 | 9931.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 10044 |  |  |  |  |  |  |  | No | 6 | 1 | 1 | N/A | 21.34 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 178 | XXXX |  | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 15868.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 46.53 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 185 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2150 | 2700 | Appraisal - 1007 |  | N/A |  |  | 2150 | Actual In Place Rent | No | 134.94 | 0.741 | 0.741 | 2901.24 | 2150 | 01-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2150 |  |  |  |  |  |  |  | No | 11.1 | 1 | 1 | N/A | 105.86 | No | XXXX | Revocable Trust | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 165 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5900 | 4800 | Appraisal - 1007 |  | N/A |  |  | 4800 | Appraisal - 1007 | No | 95.97 | 1.042 | 1.042 | 4606.53 | 5900 | 01-14-2028 | 24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 8.65 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 148 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3500 | Appraisal - 1007 |  | N/A |  |  | 3500 | Appraisal - 1007 | No | 78.03 | 1.282 | 1.282 | 2730.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 0.04 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 190 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 1700 | Appraisal - 1007 |  | N/A |  |  | 2000 | Actual In Place Rent | No | 86.29 | 1.158 | 1.159 | 1725.89 | 2000 | 01-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 2000 |  |  |  |  |  |  |  | No | 2.3 | 1 | 1 | N/A | 120.49 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 171 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 7350 | 6150 | Appraisal - 1007 |  | N/A |  |  | 7350 | Actual In Place Rent | No | 97.49 | 1.026 | 1.026 | 7165.32 | 7350 | 01-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7350 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 10.9 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 182 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6500 | Appraisal - 1007 |  | N/A |  |  | 6500 | Appraisal - 1007 | No | 79.62 | 1.256 | 1.256 | 5175.34 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 6500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 128.47 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 163 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2125 | 2100 | Appraisal - 1025 |  | N/A |  |  | 2125 | Actual In Place Rent | No | 63.46 | 1.244 | 1.576 | 1348.61 | 1200 | 04-30-2026 | 12 | 925 | 01-15-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX | 0 | 2125 |  |  |  |  |  |  |  | No | 3.5 | 1 | 1 | N/A | 89.29 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 221 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3250 | Appraisal - 1007 |  | N/A |  |  | 3250 | Appraisal - 1007 | No | 99.59 | 1.004 | 1.004 | 3236.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3250 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 29.22 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 193 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4500 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 106.75 | 0.937 | 0.937 | 3949.81 | 4500 | 08-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3700 |  |  |  |  |  |  |  | No | 1.1 | 1 | 1 | N/A | 5.05 | No | XXXX | Corporation | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 230 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 68.81 | 1.453 | 1.453 | 1307.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1900 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 1318.08 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 169 | XXXX |  | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 2980.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 4.5 | 7 | 1 | N/A | 111.05 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 188 | XXXX |  | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 2000 | Appraisal - 1007 |  | N/A |  |  | 2000 | Appraisal - 1007 | No | 89.9 | 0 | 0 | 1798.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2000 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 45.36 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 196 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 8160 | 7500 | Appraisal - 1007 |  | N/A |  |  | 7500 | Appraisal - 1007 | No | 78.17 | 1.279 | 1.279 | 5862.65 | 8160 | 06-30-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 7500 |  |  |  |  |  |  |  | No | 11.2 | 1 | 1 | N/A | 0 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 209 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 6750 | Appraisal - 1007 |  | N/A |  |  | 6750 | Appraisal - 1007 | No | 89.97 | 1.005 | 1.112 | 6072.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 6750 |  |  |  |  |  |  |  | No | 13.1 | 1 | 1 | N/A | 120.23 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 160 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4300 | Appraisal - 1007 |  | N/A |  |  | 4300 | Appraisal - 1007 | No | 82.18 | 1.217 | 1.217 | 3533.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4300 |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 10.06 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 158 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 10500 | 9500 | Appraisal - 1007 |  | N/A |  |  | 10500 | Actual In Place Rent | No | 92.98 | 1.076 | 1.076 | 9762.41 | 6500 | 01-14-2028 | 24 | 4000 | 01-22-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 10500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 32.89 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 201 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 89.07 | 1.123 | 1.123 | 1692.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX | 0 | 1900 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 91.72 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 186 | XXXX |  | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 1800 | Appraisal - 1007 |  | N/A |  |  | 1800 | Appraisal - 1007 | No | 90.74 | 0 | 0 | 1633.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 1800 |  |  |  |  |  |  |  | No | 20.8 | 1 | 1 | N/A | 95.16 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 203 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 80.87 | 1.283 | 1.236 | 2021.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  |  | No |  | 1 | 1 | N/A | 3.72 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 223 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3000 | Appraisal - 1025 |  | N/A |  |  | 3000 | Appraisal - 1025 | No | 74.73 | 1.338 | 1.338 | 2241.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3000 |  |  |  |  |  |  |  | No | 1.5 | 1 | 1 | N/A | 12.92 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 149 | XXXX |  | XXXX | XXXX | XXXX | Asset Depletion – Debt Ratio Calculation | Present | No | 0 | 1500 | Appraisal - 1007 |  | N/A |  |  | 1500 | Appraisal - 1007 | No | 85.89 | 0 | 0 | 1288.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 81.97 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 204 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3300 | 2710 | Appraisal - 1007 |  | N/A |  |  | 3300 | Actual In Place Rent | No | 98.85 | 1.014 | 1.012 | 3262.19 | 3300 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 43.26 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 181 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 11200 | Appraisal - 1007 |  | N/A |  |  | 11200 | Appraisal - 1007 | No | 87.79 | 1.139 | 1.139 | 9832.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 11200 |  |  |  |  |  |  |  | No | 1.4 | 1 | 1 | N/A | 23.59 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 170 | XXXX |  | XXXX | XXXX | XXXX | 1YR Business P&L | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 4122.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0.2 | 7 | 1 | N/A | 117.46 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 229 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2800 | Appraisal - 1007 |  | N/A |  |  | 2800 | Appraisal - 1007 | No | 89.31 | 1.12 | 1.12 | 2500.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 76.3 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 153 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4200 | 3450 | Appraisal - 1007 |  | N/A |  |  | 4200 | Actual In Place Rent | No | 94.08 | 1.063 | 1.063 | 3951.53 | 4200 | 02-01-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 4200 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 42.35 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 213 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 73.81 | 1.382 | 1.355 | 1845.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | -0.1 | 1 | 1 | N/A | 14.14 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 218 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2150 | Appraisal - 1007 |  | N/A |  |  | 2150 | Appraisal - 1007 | No | 96.89 | 1.014 | 1.032 | 2083.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 2150 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 222.7 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 184 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5000 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 117.16 | 0.853 | 0.854 | 5857.95 | 5000 | 07-31-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 5000 |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 23.15 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 236 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 4814.16 | Short Term Rent Schedule or Analysis | 3658.62 | Other | 1 |  | 3658.62 | Other | Yes | 68.26 | 1.465 | 1.465 | 2497.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3658.62 |  |  |  |  |  |  |  | No | 4.2 | 1 | 1 | N/A | 102.76 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 189 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 1100 | 1250 | Appraisal - 1007 |  | N/A |  |  | 1250 | Appraisal - 1007 | No | 73.71 | 1.357 | 1.357 | 921.36 | 1100 | 01-22-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 1250 |  |  |  |  |  |  |  | No | 0.5 | 1 | 1 | N/A | 53.63 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 207 | XXXX |  | XXXX | XXXX | XXXX | 2YR Business P&L | Present | No | 0 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3000 | Appraisal - 1007 | No | 203.6 | 0 | 0 | 6107.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 41.47 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 187 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 93.17 | 1.073 | 1.073 | 2329.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX | 0 | 2500 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 11.6 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 191 | XXXX |  | XXXX | XXXX | XXXX | 24 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 4222.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 14.12 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 157 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 8400 | Appraisal - 1007 |  | N/A |  |  | 8400 | Appraisal - 1007 | No | 83.46 | 1.197 | 1.198 | 7010.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | XXXX | 0 | 8400 |  |  |  |  |  |  |  | No | 11.8 | 1 | 1 | N/A | 20.54 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 180 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5000 | Appraisal - 1007 |  | N/A |  |  | 5000 | Appraisal - 1007 | No | 100 | 1 | 1 | 5000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 5000 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.07 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 174 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 4200 | 3950 | Appraisal - 1007 |  | N/A |  |  | 4200 | Actual In Place Rent | No | 99.92 | 1.001 | 1.001 | 4196.69 | 4200 | 12-14-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |  |  | 4200 |  |  |  |  |  |  |  | No | 1.9 | 1 | 1 | N/A | 97 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 237 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2250 | 1920 | Appraisal - 1007 |  | N/A |  |  | 2250 | Actual In Place Rent | No | 82.97 | 1.205 | 1.205 | 1866.72 | 2250 | 08-31-2027 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2250 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 136.04 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 198 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1900 | Appraisal - 1007 |  | N/A |  |  | 1900 | Appraisal - 1007 | No | 96.97 | 1.031 | 1.031 | 1842.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1900 |  |  |  |  |  |  |  | No | 0.3 | 1 | 1 | N/A | 85.52 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 233 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 5400 | Appraisal - 1007 | 5400 | XXXX | 1 |  | 5400 | Appraisal - 1007 | No | 82.79 | 1.207 | 1.208 | 4470.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 5400 |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 38.9 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 206 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 7450 | Appraisal - 1025 |  | N/A |  |  | 7450 | Appraisal - 1025 | No | 100.06 | 1 | 0.999 | 7454.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 7450 |  |  |  |  |  |  |  | No | 9.2 | 1 | 1 | N/A | 35.55 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 235 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3106.34 | Short Term Rent Schedule or Analysis | 3106.34 | Other | 1 |  | 3106.34 | Other | Yes | 80.39 | 1.743 | 1.244 | 2497.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3106.34 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 102.86 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 205 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 5100 | 3700 | Appraisal - 1007 |  | N/A |  |  | 3700 | Appraisal - 1007 | No | 59.51 | 1.68 | 1.68 | 2202.03 | 5100 | 06-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 3700 |  |  |  |  |  |  |  | No | 0.8 | 1 | 1 | N/A | 15.14 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 195 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 3250 | 3000 | Appraisal - 1007 |  | N/A |  |  | 3250 | Actual In Place Rent | No | 95.2 | 1.049 | 1.05 | 3093.86 | 3250 | 02-28-2027 | 36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3250 |  |  |  |  |  |  |  | No | 4.8 | 1 | 1 | N/A | 35.62 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 176 | XXXX |  | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 |  | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 5252.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 11.65 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 208 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2500 | Appraisal - 1007 |  | N/A |  |  | 2500 | Appraisal - 1007 | No | 99.54 | 1.004 | 1.005 | 2488.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2500 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 7.38 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 192 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2000 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2400 | Appraisal - 1007 | No | 82.06 | 1.219 | 1.219 | 1969.4 | 2000 | 11-05-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2400 |  |  |  |  |  |  |  | No | 1 | 1 | 1 | N/A | 31.98 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 151 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1750 | Appraisal - 1025 |  | N/A |  |  | 1750 | Appraisal - 1025 | No |  | 2.323 | 2.323 | 753.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1750 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 103.65 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 161 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 2600 | 2400 | Appraisal - 1007 |  | N/A |  |  | 2600 | Actual In Place Rent | No | 90.71 | 1.16 | 1.102 | 2358.52 | 2600 | 03-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 2600 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 21.11 | No |  |  | Vested Individual | XXXX | XXXX | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 152 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 850 | 1100 | Appraisal - 1007 |  | N/A |  |  | 850 | Actual In Place Rent | No | 89.08 | 1.123 | 1.123 | 757.2 | 850 | 01-28-2026 | 1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 850 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 124.04 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 150 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 1600 | Appraisal - 1007 |  | N/A |  |  | 1600 | Appraisal - 1007 | No | 61.18 | 1.73 | 1.635 | 978.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 1600 |  |  |  |  |  |  |  | No | 1.8 | 1 | 1 | N/A | 12.05 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 177 | XXXX |  | XXXX | XXXX | XXXX | 12 Month Bank Statement | Present | No | 0 | 0 | N/A |  | N/A |  |  |  | N/A | No |  | 0 | 0 | 12706.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 0 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 23.13 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 147 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | Yes | 6804 | 6800 | Appraisal - 1007 |  | N/A |  |  | 6800 | Appraisal - 1007 | No | 64.46 | 1.551 | 1.551 | 4383.46 | 6804 | 12-01-2026 | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 6800 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 34.13 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 234 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 2300 | Appraisal - 1007 |  | N/A |  |  | 2300 | Appraisal - 1007 | No | 86.95 | 1.15 | 1.15 | 1999.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  | 2300 |  |  |  |  |  |  |  | No | 2.1 | 1 | 1 | N/A | 38.38 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |
| 200 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3300 | Appraisal - 1007 |  | N/A |  |  | 3300 | Appraisal - 1007 | No | 126.74 | 0.789 | 0.789 | 4182.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3300 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 4.46 | No |  |  | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| 173 | XXXX |  | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No | 0 | 3540 | Appraisal - 1007 |  | N/A |  |  | 3540 | Appraisal - 1007 | No | 98.02 | 1.02 | 1.02 | 3470.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3540 |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 1.06 | No | XXXX | Limited Liability Corporation (LLC) | Vested Individual | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX |

---

## Exhibit 99.6

**Exhibit 99.6**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Rithm Capital. The review included a total of 16 newly originated residential mortgage loans acquired through a bulk purchase, in connection with the securitization identified as NRMLT 2026-NQM5 (the "Securitization"). The Review was conducted from October 2025 through December 2025 on mortgage loans originated between September 2025 and December 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;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (16 loans in total):

Zero (0) loans had a Secondary Appraisal, two (2) loans had an AVM, two (2) loans had a Field Review, and ten (10) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then 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.

Zero (0) loans had a Second Desk Review 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 sixteen (16) mortgage loans reviewed, thirteen (13) unique mortgage loans (81.25% by loan count) had a total of fifty-three (53) discrepancies across twenty-three (23) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;10 | &nbsp;&nbsp;18.87% |
| &nbsp;&nbsp;Qualifying All Borrower Residual Income | &nbsp;&nbsp;8 | &nbsp;&nbsp;15.09% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.66% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.66% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.66% |
| &nbsp;&nbsp;T & I Payment | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Loan Product Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Total Liquid Assets Available For Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**53** | &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 | 15 | $6559136.00 | 93.75% |
| Event Grade B | 1 | $91700.00 | 6.25% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 16 | $6650836.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 15 | 93.75% |
| Event Grade B | 1 | 6.25% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 16 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results: (As applicable, 5 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 5 loans within population did not receive a Compliance Review)** | **Compliance Results: (As applicable, 5 loans within population did not receive a Compliance Review)** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 11 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 11 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 16 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 16 | 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;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage Payment History Missing or Defective | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Insurance Coverage - Inadequate Coverage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose Affidavit/Disclosure Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Deed Missing or Defective | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***17*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Excessive LTV Ratio | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Power of Attorney | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***12*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Cert or Evidence not in a Flood Zone Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;HOA Does Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***14*** |

---

**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 99.6

**Exhibit 99.6 Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Compliance Loan Grades DBRS** | **Initial Compliance Loan Grades Fitch** | **Initial Compliance Loan Grades Kroll** | **Initial Compliance Loan Grades Moody's** | **Initial Compliance Loan Grades S&P** | **Final Compliance Loan Grades DBRS** | **Final Compliance Loan Grades Fitch** | **Final Compliance Loan Grades Kroll** | **Final Compliance Loan Grades Moody's** | **Final Compliance Loan Grades S&P** |
| 834 | xxx | xxx |  | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| 835 | xxx | xxx |  | $xxx D | D | D | D | D | D A | A | A | A | A | A |
| 837 | xxx |  |  | $xxx A | D | D | D | D | D A | A | A | A | A | A |
| 839 | xxx |  |  | $xxx A | B | B | B | B | B A | A | A | A | A | A |
| 833 | xxx |  |  | $xxx A | A | A | A | A | A | A | A | A | A | A |
| 832 | xxx |  |  | $xxx A | A | A | A | A | A | A | A | A | A | A |
| 831 | xxx |  |  | $xxx A | C | C | C | C | C A | A | A | A | A | A |
| 836 | xxx |  |  | $xxx D | A | A | A | A | A C D | A | A | A | A | A |
| 842 | xxx |  |  | $xxx A | A | A | A | A | A | A | A | A | A | A |
| 846 | xxx |  |  | $xxx C | A | A | A | A | A C | A | A | A | A | A |
| 845 | xxx |  |  | $xxx A | A | A | A | A | A | A | A | A | A | A |
| 843 | xxx |  |  | $xxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 838 | xxx |  |  | $xxx C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 830 | xxx |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 829 | xxx |  |  | $xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844 | xxx |  |  | $xxx D | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |

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## Exhibit 99.6

**Exhibit 99.6 Schedule 2**

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| Marketing ID | **Loan Number** | **Alt Loan ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 834 | xxx | xxx | xxx | xxx | 09/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Property | HOA Does Not Meet Guidelines | HOA Does Not Meet Guidelines HOA is in Remediation for items regarding safety, soundness or habitability. | Document Uploaded. | 11/xx/2025 | Documentation is sufficient. Information on HOA provided. Exception resolved. ; HOA Meets Guidelines | 12/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of 33.82% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 834 | xxx | xxx | xxx | xxx | 09/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of 63.22% exceeds Guideline DTI of 55% Is due to REO, xxx, with a monthly payment of $10,033.80 was undisclosed and no evidence supporting exclusion. | Document Uploaded. | 11/xx/2025 | Documentation is sufficient. REO is owned by an LLC. XX is making payments provided. Exception resolved.; Audited DTI of 33.82% is less than or equal to Guideline DTI of 55% | 11/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of 33.82% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 834 | xxx | xxx | xxx | xxx | 09/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Property | Property/Appraisal General | Property/Appraisal guideline violation: Field review appraiser commented that the original appraisal report does not mention Remediation and the possible $xxx assessment that is coming for unit owners. Field review appraiser spoke with several listing agents who explained that prices and marketability have decreased since this was put in place. Amenities have been closed and many owners have to move out of their units for approx. 7 weeks while remediation is being completed. Lender is advised to seek further details about how this affects the subject unit as all have different situations. There is no mention within the appraisal report and it could have more of an effect than shown due to the lack of time to research and information on the subject unit. Appraiser on full appraisal to advise/update appraisal regarding Remediation and how it affects subject unit, HOA dues. |  |  | Informational | 10/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of 33.82% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 834 | xxx | xxx | xxx | xxx | 09/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Property | Condo Approval Missing | Condo Approval Missing. Per lender 1008 subject requires a full condo review. | Document Uploaded. | 10/xx/2025 | Documentation is sufficient. Questionnaire provided. Exception resolved.; Condo Approval is provided. | 10/xx/2025 | Qualifying DTI below max allowed. - Calculated DTI of 33.82% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740 A B | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 834 | xxx | xxx | xxx | xxx | 09/xx/2025 | $xxx | FL | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 33.82% is less than Guideline DTI of 55%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 780 is greater than Guideline minimum FICO of 740 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 835 | xxx | xxx | xxx | xxx | 10/xx/2025 | $xxx | DC | ATR/QM: Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Compliance | Missing Power of Attorney | Missing Power of Attorney and/or POA Does Not Meet Guideline Requirements - Missing fully executed District of Columbia Statutory Power of Attorney Form. | Document Uploaded. | 10/xx/2025 | Received full executed District of Columbia Statutory Power of Attorney Form. Exception Resolved. | 10/xx/2025 | D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 835 | xxx | xxx | xxx | xxx | 10/xx/2025 | $xxx | DC | ATR/QM: Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing the fully executed Prepayment Rider. | Document Uploaded. | 10/xx/2025 | Documentation is sufficient. Rider provided. Exception resolved.; The Deed of Trust is Present and Complete | 10/xx/2025 | D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 835 | xxx | xxx | xxx | xxx | 10/xx/2025 | $xxx | DC | ATR/QM: Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 835 | xxx | xxx | xxx | xxx | 10/xx/2025 | $xxx | DC | ATR/QM: Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 837 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance Documentation required to clear exception: Incorrect Right to Cancel form was used. Right to cancel form H-8 (New Lender) form was used and should have been H-9 (Same Lender) form. In order to cure, rescission needs to be re-opened with correct form and a PCCD, LOE, and proof of delivery is required. | Document Uploaded. | 12/xx/2025 | The consumer(s) was provided the incorrect RTC version. The consumer is refinancing with the original (same) creditor (-new advance of money with the same creditor). Model H-8 was provided; because the property is located in VA the exception can be downgraded to a A/1 | 12/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 837 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 837 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | VA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum D A | D | A D | D A | D A | D A | D A | D A | A | A | A | A | A |
| 839 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least 3-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Provide evidence the appraisal was delivered to the borrower a minimum of 3 business days prior to consummation 10/xx/2025. |  |  | Evidence of appraisal delivery provided.; Appraisal delivery receipt received on e-consent doc | 11/xx/2025 | Borrower has stable job time - Borrower has 7.54 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 839 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Compliance | eSigned Documents Consent is Missing | The signed consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature | Document Uploaded. | 11/xx/2025 | Evidence of eConsent is provided.; Received E-consent | 11/xx/2025 | Borrower has stable job time - Borrower has 7.54 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 839 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within 3 business days of application | Document Uploaded. | 11/xx/2025 | Required Affiliated Business Disclosure Documentation Provided; Received confirmation no affiliates | 11/xx/2025 | Borrower has stable job time - Borrower has 7.54 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 839 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 7.54 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 839 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | MI | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 7.54 years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 781 is greater than Guideline minimum FICO of 700 A | B | A B | B A | B A | B A | B A | B A | A | A | A | A | A |
| 833 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | WI | ATR/QM: Exempt | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 25.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 760<br>Borrower has stable job time - Borrower has 3.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 833 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | WI | ATR/QM: Exempt | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 25.07% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 800 is greater than Guideline minimum FICO of 760<br>Borrower has stable job time - Borrower has 3.9 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 832 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 832 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 832 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | MD | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 797 is greater than Guideline minimum FICO of 700<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% A | A | A | A | A | A | A | A | A | A | A | A | A |
| 831 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xx) exceed the comparable charges ($xx) 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). TILA 130b Cure Required. Refund in the amount of $xx, cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The 10% tolerance violation in the amount of $xx is due to increase from $xx to $xx notary fee, $xx to $xx reconveyance $xx to $xx title tax fee and $xx to $xx. <br>Final Charges That In Total Cannot Increase More Than 10% Total=$xx title insurance $xx, notary $xx, $Reconveyance $xx, settlement $xx, e-filing $xx, tax fee $xx, recording $xx. Comparable Charges That In Total Cannot Increase More Than 10% Total = $xx, title insurance $xx, notary $xx, settlement $xx, e-filing $xx, tax fee $xx. Tolerance variance amount for charges that in total cannot increase more than 10% = $xx | Document Uploaded. | 12/xx/2025 | Lender confirmed borrower shopped for notary services, cure provided on the PCCD was sufficient; Exception resolved; Lender confirmed borrower shopped for notary services, cure provided on the PCCD was sufficient; Exception resolved | 12/xx/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 806 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.62% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 38.68% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.62% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 4.61 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 831 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 806 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.62% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 38.68% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.62% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 4.61 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 831 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | WA | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 806 is greater than Guideline minimum FICO of 740<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.62% is less than Guideline CLTV of 80%<br>Qualifying DTI below max allowed. - Calculated DTI of 38.68% is less than Guideline DTI of 50%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of 68.62% is less than Guideline LTV of 80%<br>Borrower has stable job time - Borrower has 4.61 years on job. A | C | A C | C A | C A | C A | C A | C A | A | A | A | A | A |
| 836 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | TX | ATR/QM: Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of 54.93% exceeds Guideline DTI of 50% DTI is over 50% due to REO rental income/expense being higher ($xx) in credit review than lender figures on 1008/1003 and the income for the xxxg less by $xx. The over 50% DTI criteria doesn't allow for a 40 yr fixed loan term therefore it doesn't qualify to go over 50% Provide further documentation on the use of the REO property expenses as the mortgage do not have escrowed items, therefore those were added in review. | Document Uploaded. | 12/xx/2025 | After updating income and xxx property with new P&I - DTI falls below allowable 50%. Resolved/ ; Audited DTI of 48.09% is less than or equal to Guideline DTI of 50%; Client provided, "Below are xx figures that they provided this morning and for the xxx entity I had used only $6251.00 whereas the actual useable income is $8637.22 and resulting DTI is 47%. I have uploaded an updated 1008 and attached the 1008 and 1003." | 12/xx/2025 | Borrower has stable job time - Borrower has 7.06 years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 836 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | TX | ATR/QM: Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. FHLMC UCDP report is in the file but the field was grayed out an unable to input the report's finding. TPV would not be required as there is a desk review in the file to support value. | Document Uploaded. | 12/xx/2025 | Third party valuation product provided within tolerance.; FHLMC UCDP provided. | 12/xx/2025 | Borrower has stable job time - Borrower has 7.06 years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 836 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | TX | ATR/QM: Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Credit | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing Please provide signed and dated disclosure from borrower. | Document Uploaded. | 12/xx/2025 | Business Purpose Affidavit/Disclosure Provided; Client provided Business Narrative Form | 12/xx/2025 | Borrower has stable job time - Borrower has 7.06 years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 836 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | TX | ATR/QM: Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 7.06 years on job. D A C | A | A D C | A D C | A D C | A D C | A D C | A | A | A | A | A | A |
| 842 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | NJ | ATR/QM: Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 13.6% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 694 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 5.34 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | NJ | ATR/QM: Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 13.6% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 694 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 5.34 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 842 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | NJ | ATR/QM: Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying DTI below max allowed. - Calculated DTI of 13.6% is less than Guideline DTI of 50%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 694 is greater than Guideline minimum FICO of 640<br>Borrower has stable job time - Borrower has 5.34 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 846 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | WI | ATR/QM: Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of 52.38% exceeds Guideline DTI of 50% A review of the Closing Disclosure for the Primary Residence, issued on 03/xx/2025 and the mortgage statement dated 10/xx/2025, confirms that property taxes and homeowner's insurance were not escrowed. Transmittal Summary further indicates that escrows for the Primary Residence were not included in qualifying. Audit determined that the Debt-to-Income (DTI) ratio exceeded the guideline threshold of 50%, thereby rendering the loan non-compliant with established underwriting requirements. | Document Uploaded. Please see Rebuttal | 12/xx/2025 | Audited DTI of 52.38% is less than or equal to Guideline DTI of 55%; Client provided guides reflecting requirements met to allow for DTI up to 55%. Pending review. | 12/xx/2025 | Borrower has stable job time - Borrower has 6.9 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 846 | xxx |  | xxx | xxx | 11/xx/2025 | $xxx | WI | ATR/QM: Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 6.9 years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of 715 is greater than Guideline minimum FICO of 700 A | A | A C | A C | A C | A C | A C | A | A | A | A | A | A |
| 845 | xxx |  | xxx | xxx | 12/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has 10.27 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 845 | xxx |  | xxx | xxx | 12/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has stable job time - Borrower has 10.27 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 845 | xxx |  | xxx | xxx | 12/xx/2025 | $xxx | NY | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has 10.27 years on job. A | A | A | A | A | A | A | A | A | A | A | A | A |
| 843 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | TX | ATR/QM Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Credit | Title Insurance Coverage - Inadequate Coverage | $xx title insurance coverage < $xxminimum coverage required | 20251106: Title uploaded | 11/xx/2025 | XX: Received Title | 11/xx/2025 | C A | N/A | N/A C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A |
| 838 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | CT | ATR/QM Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Credit | Mortgage Payment History Missing or Defective | Missing VOM for subject property and primary residence | 20251202: Subject property VOM uploaded | 12/xx/2025 | XX: VOM received | 12/xx/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 838 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | CT | ATR/QM Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Property | Flood Cert or Evidence not in a Flood Zone Missing | Missing flood certificate for subject property: xxx | 20251103: Flood Cert | 11/xx/2025 | XX: Received Flood Cert | 11/xx/2025 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 830 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | CT | ATR/QM Exempt | Loan Review Complete | 11/xx/2025 | Resolved | xxx | Credit | Deed Missing or Defective | Missing Conveyance Deed from xxx to xxx | 20251113: Deed | 11/xx/2025 | XX: Received Deed | 11/xx/2025 | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| 829 | xxx |  | xxx | xxx | 12/xx/2025 | $xxx | FL | ATR/QM Exempt | Loan Review Complete | 12/xx/2025 | Resolved | xxx | Credit | No Credit Findings | The loan meets all applicable guidelines |  |  |  |  | A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | MI | ATR/QM Exempt | Loan Review Complete | 10/xx/2025 | Resolved | xxx | Credit | Mortgage Payment History Missing or Defective | Missing VOR/VOM for subject property xxx | 20251112: Free and clear on title | 11/xx/2025 | XX: Received free and clear on title | 11/xx/2025 | D B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 844 | xxx |  | xxx | xxx | 10/xx/2025 | $xxx | MI | ATR/QM Exempt | Loan Review Complete | 10/xx/2025 | Acknowledged | xxx | Credit | Excessive LTV Ratio | 70% LTV > 65% limit for cash-out refinance transaction with $xx Loan Amount | 20251028: Exception approval in file | 10/xx/2025 | XX: Exception approval in file | 10/xx/2025 | 3 months reserves greater that program requirement, FICO above the minimum by 20 points or higher, DSCR > 1.15 B A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| Marketing ID | **Loan ID** | **Alt Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 834 | xxx | xxx |  | 09-xx-2025 | xxx |  | 0 | xxx | 08-xx-2025 | 1073 Individual Condo Report | xxx | 80.00 | 80.00 | xxx | xxx | xxx | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | 08-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 835 | xxx | xxx |  | 10-xx-2025 | xxx | xxx | 0 | xxx | 09-xx-2025 | 1004 URAR | xxx | 75.00 | 75.00 | xxx | 0 | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Adequate | 10-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 837 | xxx |  |  | 10-xx-2025 | xxx |  | 0 | xxx | 09-xx-2025 | 1004 URAR | xxx | 74.93 | 74.93 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 09-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 839 | xxx |  |  | 10-xx-2025 | xxx | xxx | 0 | xxx | 10-xx-2025 | 1004 URAR | xxx | 50.00 | 50.00 |  |  |  |  | xxx | xxx | xxxx | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | xxx | 10-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 833 | xxx |  |  | 11-xx-2025 | xxx | xxx | 0 | xxx | 10-xx-2025 | 1025 Small Residential Income Report | xxx | 80.00 | 80.00 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 10-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 832 | xxx |  |  | 11-xx-2025 | xxx |  | 0 | xxx | 10-xx-2025 | 1004 URAR | xxx | 60.00 | 60.00 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 10-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 831 | xxx |  |  | 10-xx-2025 | xxx |  | 0 | xxx | 10-xx-2025 | 1004 URAR | xxx | 68.62 | 68.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 836 | xxx |  |  | 11-xx-2025 | xxx |  | 0 | xxx | 10-xx-2025 | 1004 URAR | xxx | 80.00 | 80.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 842 | xxx |  |  | 11-xx-2025 | xxx |  | xxx | xxx | 10-xx-2025 | 1004 URAR | xxx | 65.00 | 65.00 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 94.0 | 0.06 | xxx | xxx | 10-xx-2025 | xxx | 0 | .0000 | xxx | Moderate Risk | 11-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 846 | xxx |  |  | 11-xx-2025 | xxx |  | 0 | xxx | 10-xx-2025 | 1004 URAR | xxx | 80.00 | 80.00 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | 10-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 845 | xxx |  |  | 12-xx-2025 | xxx |  | 0 | xxx | 10-xx-2025 | 1004 URAR | xxx | 58.09 | 58.09 | xxx | xxx | xxx | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | xxx | 90.0 | 0.1 | xxx | xxx | 10-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 843 | xxx |  |  | 10-xx-2025 | xxx | xxx | 0 | xxx | 10-xx-2025 | 1004 | xxx | 79.99 | 0.80 | xxx | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 10-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 838 | xxx |  |  | 10-xx-2025 | xxx |  | 0 | xxx | 9-xx-2025 | 1004 | xxx | 70.00 | 0.70 | xxx | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 9-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 830 | xxx |  |  | 10-xx-2025 | xxx | xxx | 0 | xxx | 10-xx-2025 | 1025 | xxx | 80.00 | 0.80 | xxx | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 10-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 829 | xxx |  |  | 12-xx-2025 | xxx |  | 0 | xxx | 9-xx-2025 | 1004 | xxx | 64.29 | 0.64 | xxx | 0 | .0000 | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | 10-xx-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 844 | xxx |  |  | 10-xx-2025 | xxx |  | 0 | xxx | 9-xx-2025 | 1004 | xxx | 70.00 | 0.70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.6

**Exhibit 99.6 Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| Marketing ID | **Loan ID** | **Alt Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 834 | xxx | xxx | Originator Doc Type | Asset Depletion – Debt Ratio Calculation | ALT DOC | Per approval |
| 834 | xxx | xxx | Cash out Include Debt Paid at Close | xxx | xxx | Per CD |
| 834 | xxx | xxx | Qualifying Total Reserves Number of Months | 428.44 | 346.00 | Per asset docs |
| 834 | xxx | xxx | Total Liquid Assets Available For Close | 3582650.41 | 2866120.33 | Per asset docs |
| 834 | xxx | xxx | Total Qualified Assets Available | 3582650.41 | 3899120.33 | Per asset docs |
| 834 | xxx | xxx | Borrower Appraisal Receipt Date | 08-xx-2025 | 08/xx/2025 | Per appraisal receipt |
| 835 | xxx | xxx | Originator Doc Type | Debt Service Coverage Ratio | Other | Coding. |
| 835 | xxx | xxx | Qualifying Total Reserves Number of Months | 103 | 105.00 | Assets as documented in the loan file. |
| 835 | xxx | xxx | Total Qualified Assets Available | 700359.86 | 1831349.86 | Does not include equity. |
| 835 | xxx | xxx | Qualifying Total Monthly Liabilities | 1668 | 5415.25 | DSCR does not require the REO to be completed. |
| 835 | xxx | xxx | Borrower Appraisal Receipt Date | 09-xx-2025 | 09/xx/2025 | Data entry. |
| 837 | xxx | xxx | Property County | xxx | Unincorporated A | per Mortgage |
| 837 | xxx | xxx | Application Date | 08-xx-2025 | 08/xx/2025 | initial app date |
| 837 | xxx | xxx | Verified Doc Type | 1YR Full Doc | 2YR Full Doc | per income documentation |
| 837 | xxx | xxx | Qualifying Total Reserves Number of Months | 14.02 | 0.00 | asset verified. |
| 837 | xxx | xxx | Qualifying All Borrower Residual Income | 7388.3 | 9989.63 | per income calculation |
| 839 | xxx | xxx | MIN No | xxx | xxx | MIN No verified via the Deed of Trust. |
| 839 | xxx | xxx | Qualifying Total Reserves Number of Months | 108.03 | 0.00 | Verified via asset documentation provided. |
| 839 | xxx | xxx | Qualifying All Borrower Residual Income | 4340.8 | 5763.34 | Qualifying residual income verified via income and credit documentation. |
| 833 | xxx | xxx | Maturity Date | 11-xx-2055 | 12/xx/2055 | Verified with the Note |
| 833 | xxx | xxx | First Payment Date | 12-xx-2025 | 01/xx/2026 | Verified with the Note |
| 833 | xxx | xxx | MIN No | xxx | xxx | Verified with the Security Instrument |
| 833 | xxx | xxx | Property Value | xxx | xxx | Verified with the appraisal, the lower purchase price used to qualify. |
| 833 | xxx | xxx | Qualifying Total Reserves Number of Months | 58.44 | 0.00 | Verified with the most recent asset statements |
| 833 | xxx | xxx | Qualifying All Borrower Residual Income | 13606.91 | 14759.61 | Verified with income and liabilities |
| 832 | xxx | xxx | MIN No | xxx | xxx | Verified to Deed |
| 832 | xxx | xxx | Property Type | PUD | Single Family Detached | Verified to appraisal |
| 832 | xxx | xxx | Qualifying Total Reserves Number of Months | 111.6 | 0.00 | Verified to assets and cash out |
| 832 | xxx | xxx | Qualifying All Borrower Residual Income | 4595.87 | 8169.13 | Based on verified income and total debts |
| 831 | xxx | xxx | Application Date | 09-xx-2025 | 10/xx/2025 | Per initial 1003 |
| 831 | xxx | xxx | Qualifying FICO | 806 | 789 | Per primary Borrowers' mid credit score per guidelines |
| 831 | xxx | xxx | Qualifying Total Reserves Number of Months | 17.69 | 0.00 | Per assets |
| 831 | xxx | xxx | Qualifying All Borrower Residual Income | 11826.43 | 14833.22 | Per monthly income less all debts |
| 836 | xxx | xxx | Prepayment Penalty | Yes | No | updated per PPP agreement in file. |
| 836 | xxx | xxx | Loan Product Type | 40 Year Fixed | 40 Year Fixed IO | updated per note |
| 836 | xxx | xxx | Qualifying All Borrower Residual Income | 16663.09 | 39255.43 | updated per income/liability calculations. |
| 842 | xxx | xxx | Property Value | xxx | xxx | Verified with the appraisal, Property listed for sale on 1/xx/25 and removed on 8/xx/2025 for $xx per the xx report - Lower Listing price used to qualify. |
| 842 | xxx | xxx | Application Date | 09-xx-2025 | 08/xx/2025 | Verified with the initial 1003 and eSign Disclosure Tracking |
| 842 | xxx | xxx | ULI | xxx | xxx | Verified with the final 1003 |
| 842 | xxx | xxx | Qualifying Total Reserves Number of Months | 94.92 | 95.72 | Verified with the cash out, |
| 842 | xxx | xxx | Qualifying All Borrower Residual Income | 18957.97 | 19015.97 | Verified with the income and liabilities |
| 846 | xxx | xxx | ULI | xxx | xxx | True Data reflects the ULI according to the Final 1003. |
| 846 | xxx | xxx | Qualifying Total Reserves Number of Months | 12.21 | 12.65 | True data reflects reserves based on 100% of the funds received from this cash-out transaction. |
| 846 | xxx | xxx | Qualifying All Borrower Residual Income | 27224.82 | 53845.84 | True Data reflects the qualifying income assessed by audit using a 12-month average of bank statement deposits for both business checking accounts. |
| 845 | xxx | xxx | Note Date | 12-xx-2025 | 12/xx/2025 | Per Note |
| 845 | xxx | xxx | First Payment Date | 02-xx-2026 | 12/xx/2025 | Per Note |
| 845 | xxx | xxx | Maturity Date | 01-xx-2056 | 11/xx/2055 | Per Note |
| 845 | xxx | xxx | ULI | xxx | xxx | Per final 1003 |
| 845 | xxx | xxx | Qualifying Total Reserves Number of Months | 3.73 | 3.93 | Per assets |
| 843 | xxx |  | DSCR | 1.54 | 1.23 | $1800 Rent / $1167.52 PITIA = 1.54 DSCR |
| 843 | xxx |  | T & I Payment | 188.96 | 486.00 | $73.92 Insurance + $27.04 Tax + $88 HOA = $188.96 T&I +HOA |
| 838 | xxx |  | DSCR | 1.05 | 1.11 | $4166.66 Rent / $3959.64 PITIA = 1.05 DSCR |
| 838 | xxx |  | T & I Payment | 655.85 | 511.00 | $159.58 Insurance + $496.27 Tax = $655.85 T&I |

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